I remember before Clintons "FIXED" the healthcare in the 90's, I couldn't justify the $35 a month for a private insurance policy. Because a Doctor visit on average was $50 to $75 bucks. A broken arm was about $1200, and stitches were about $300.
If I were to break my arm I would just pay $100 a month for 12 months until I paid it off. I never broke my arm either. But I know people that did, it certainly didn't put them in the poor house.