That is always true of someone young and healthy.  You can always buy
insurance cheap then.  But most bankruptcies in the US are the result of
health problems and people's insurance running out.

Most people in the US get their health insurance paid for by their
employer (or they don't have it at all.)  If you lose your job, you
lose your health insurance.  You can buy into a temporary plan for up
to 18 months, assuming you can afford to pay the $1000 per month
family premiums while you are unemployed.  

If you are middle aged and healthy, you might be able to get decent
private medical insurance for about $1200 per month for the family.
But if you or anyone in your family has a history of medical problems,
preexisting conditions may be excluded, you may be charged exorbitant
premiums, or denied coverage altogether.  If you are healthy and
insured but then get sick, expect your premiums to eventually rise
until you can't pay them anymore.  Even while you have insurance, you
will still be hit with deductibles, co-pay and prescription costs
which could total thousands of dollars per year.

Once you lose insurance, you will learn first hand what it means to
live in the country with the most expensive health care in the world.
Hospitals and clinics basically double their prices over what they
need to charge so they can offer the insurance companies big
discounts.  No insurance?  You pay full (i.e. double) price.  If you
have massed a comfortable life savings for retirement, it could easily
be wiped out by one major illness.

Still want to throw that £100/month at private health care?  In the
US, that much will not even pay for the administrative costs for your
private health insurance.  And no, that isn't hyperbole.

We are way off topic here from Honda, but ...

It is a ridiculous scam here.  I pay about $120 every two weeks and my
employer pays almost twice that much every two weeks also.  However, in
practical terms I doubt that I have any better health care or more freedom
of choice than you do.  My insurance company has "preferred providers" and
if you use these company selected providers you get max coverage, but you
still pay copays and deductibles, etc.  If you need to use someone other
than a preferred provider, then you pay "big time" out of your pocket.  So I
doubt I have it any better than someone who lives where they have national
healthcare.

Sid