What I mean by that is that insurance should be used as insurance and not as 'care management package'. *Maybe* there is space for a product like that in a free market but we don't know about it, do we? We are not allowed to have free market.
My point is that health care should be done similarly to car care, when you need gas you don't use insurance to buy it because insurance does not exist for gas. You use insurance when your car gets into an accident and then it has to be a big enough level of damage for you to get insurance because of a large deductible. This is important to prevent overuse of insurance for basic maintenance.
Becoming a beggar becomes a possibility in the *current* USA system that is nowhere near being a free market. It used to be that USA had the free market including in health care and health insurance, people paid doctors out of pocket, it wasn't an issue. It was possible to buy insurance for a few bucks a month that would cover extremely expensive things like cancers, heart surgeries, large traumas etc.
People started becoming beggars when socialism destroyed free market in the USA.