I know people with insurance ($0 for a dental checkup) who haven't been in years.

I know people who don't take their $4/month heart medication prescription and end up hospitalized.

I know people that when faced with the choice of walking around the block for exercise would rather watch Netflix despite their uncontrolled type 2 diabetes and doctor telling them exercise will keep their blood sugar under control.

How can I manage the cognitive overhead of being poor and also manage the cognitive overhead of managing my health insurance? Seriously, if someone has multiple credit card debt issues, car payment stuff, how to pay heat and electricity stuff, then needing to do possibly multiple jobs to stay afloat, how is someone supposed to figure out what doctor covers their insurance and then fight the insurance company over whatever inevitable bullshit the insurance company will come up with to try and weasel out of paying?

Straw man. I said nothing about insurance.

In my examples this was a person who had a pre-existing dentist who already accepted their insurance - it was literally just the effort to go they couldn’t muster.

The $4 heart medicine was not insurance related. It was already in their medicine cabinet, they just couldn’t muster the energy to set a reminder to take it (or even take it if their spouse reminded them).

And the last one is purely the trade off between Netflix and a walk.