Have you noticed a weird pattern where in your country, with insurance, the prices for non-insured individuals are through the roof? Even simple medications or procedures are so expensive you're almost guaranteed to suffer financially from any medical procedure. Ever noticed that?

The issue with a snarky "learn what insurance is about" is that insurance companies, especially in the US, especially within healthcare, figured out a loop by which they can increase the prices so absurdly high that you need insurance and even with insurance, you're likely going to suffer. So yes, your simplistic logic of "you pay insurance an affordable amount per month now, so that if you need something expensive later they cover you" is fundamentally destroyed by the reality where insurance companies can determine the final price, and therefore, it shifts from actual insurance into mafia.

But maybe nuance is not the strong suit of the average US citizen, so I guess a one liner snarky reply is all your working memory can afford to think through.