Right.
Having health insurance does not protect you from catastrophic bills. Having health insurance does not guarantee access to healthcare -in particular, primary care (thanks in part to 30 odd years of a drg-driven fee-for-service payment model). Health insurance doesn’t even cover my entire body (teeth, eyes and brain are “different” and require additional insurance).
Our legacy healthcare insurance system was a flaming wreck going over a cliff.
ACA might put out the fire.