That's why you want a national health care program funded by taxes (they call it health insurance, but it's mandatory and based on income, so it's a tax, really). Private insurance is still allowed, but everyone gets a baseline.

Sure, this system has got its share of problems, and they're massive, but if you need care, you generally receive it regardless of your financial situation. Again, bureaucracy happens and there are waiting times etc. etc., but the idea that you may lose everything because you got sick is so alien to me I have no words.