My point is no matter whether you have insurance or not, if hospitals are overloaded, you will not be treated. Just look at situation in Italy.

Italy here. I agree with your point. Luckily despite the rumors of war like triage we're still treating everybody because we increased capacity. There is a little slow down in new cases today. Still a race between setting up new capacity and hospitalizing people.

Until it all runs out, I'd rather start with a situation where I have health insurances versus a situation where I don't.

In other words, I'd rather try to escape the encroaching fire in a Toyota than a Yugo.

It is good to have insurance. I have one. But when I was trying to reach a doctor during the weekend because I had bad cough and was very worried, I couldn’t get through. The line was overloaded. At that time it hit me that, in case of emergency, different set of rules apply. Having insurance becomes almost irrelevant.

Corona has swamped a lot things.

I’m not sure it’s accurate to say/imply that “many” have short-term plans, which is what were reauthorized. Those plans make sense for some but certainly not many.they Are edge case solutions. There are, as you say, many with no health insurance.