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Healthcare, in the US, is still pretty expensive even if you have insurance. Chosing between maybe dying or being disabled, and being homeless is pretty common place here in the best country in the world.
I am a disabled American in my 50s, I have dealt with serious medical issues my entire life, including the ones that have made me unable to work for the last ~15 years. I understand the healthcare 'system', such as it is, far too well. But you know what sucks worse than being broke? Being dead.
We're not talking about being dead vs being broke. We're talking about being MAYBE dead vs being homeless, hungry, and unable to clothe your children.
Health insurance exists for medical emergencies; vomiting and chest pains are signs of a heart attack which, I dunno where you're from, but where I'm from that sounds like a medical emergency to me.
I get that the US healthcare system is bad and exploitative and absolutely leaves people in crippling, life-altering debt. But one fucking trip to urgent care is not going to render you homeless unless something is very seriously wrong with you in which case see also: being dead also sucks pretty hard.
Personally, I've seen a lot of doctors and received very little help for my considerable trouble, and more than a little harm. I was fortunate that I rarely have to pay for medical service (but have to forgo it when I do) but if I had been paying all this time, it would be very easy for me to choose feeding my hypothetical children for the current week over another probably useless visit.