It's crazy how that's a thing, if a person gets cancer or a bad accident or anything like that, you gotta pay out of pocket. I also have supplimetary health insurance at $75/month but it covers me if I get hurt riding dirtbike or anything off the job like that but that helps for paying bills or food and rent while I'm layed up and yes, insurance companys will do anything to not pay, I can only image how tough that would be in the US.