Yes. Or are “guided” to eventual death by copay amounts that cause them to skip buying necessary medications and going to routine checkups to nip problems in the bud. Or are denied insurance at all because of pre-existing conditions. [Disclaimer: I have such a condition, which would keep me from getting some policies and raises my costs on others; IOW, I’m no dispassionate observer in some areas.] Or sleep in the open or in their vehicle because they can’t afford housing and the shelters are full or not available at all.