Everybody in the US has insurance, that was literally a major point of contention to Obamacare - the left didn't like that the solution still used private insurers and the right didn't like that they were forced to buy something. If you have a low income, you get subsidized premiums.
For sick pay, it's just a lack of budgeting and planning. If you have a job that pays you $12/hr with no paid leave time or a job that pays you $10/hr with an accumulation of leave hours, it's still the same in the end if you work X days and are sick Y days and get a monthly income of $ZZZ, just in one case your employer is holding back your leave pay and in the other case you're paid full value up front and save for your leave period yourself.
Isn't that factually wrong ?https://www.nbcnews.com/politics/politics-news/number-americ...
> it's just a lack of budgeting and planning.
Which people living paycheck to paycheck can't do. https://www.washingtonexaminer.com/news/nearly-half-american...
However:
1) This is not free
2) This is not likely to save you from enormous medical costs
3) This is about on par with filing taxes. Probably easy to do if you understand the basics of whats going on, but few people do.