Medicaid is pretty generous — frank
But everyone is not on Medicaid. For one, it's administered by the states, and some states have meagre funding, others are much better funded. Compare New York with Mississippi. Plus, insurance costs a lot of money when you are on your own (as far as coverage is concerned) or are in a small employee group.
"Lifestyle" is a significant obstacle. The "fried fish belt" of the southeast US feeds too much fat and too much fire-grilled red meat into the population resulting in higher rates of cancer and obesity. Add to that too much smoking, drinking, obesity, high blood pressure, etc., and it's no wonder they don't live as long as people in Hawaii and Minnesota. Good medical care for lifestyle diseases (smoking, drinking, obesity, drugs, etc.) can only accomplish so much, For one thing, the patient has to present a willing subject for improvement, diagnosis, and timely treatment, which tends not to happen with chronically unhealthy people.
Then too, some people who should and do know better and are otherwise healthy harbor 'superstitions' about their health. They don't get timely inoculations for their children or don't follow instructions for taking antibiotics. They don't like to go to the doctor, preferring quakopractors who adjust their backs. They give out reasonably good advice to other people ("see the doctor about that") but then don't do the same thing for themselves.
I had throat cancer surgery a few weeks ago, the long-term consequence of smoking, drinking, and sex (it was HPV linked -- which kind of cancer happens to be more curable). I did reform around 30 years ago, but the long term consequences finally came due (at 73). I turned myself over to a surgeon early on, and presumably have good prospects. But still, in my youth I smoked and drank too much.
Like the fried fish belters not regretting tasty fried catfish, I don't regret the nights in the bars and the many, many partners I had -- but, nonetheless, lifestyle choices affect my health.
@Benkei mentioned insurance; I've spent a small fortune on insurance at times when I wasn't otherwise covered, and so haven't neglected chronic medical problems like glaucoma, which if neglected will lead to blindness. Medicare and the part B supplement costs about 15% of my monthly fixed income. Not everyone is able to do that. I was lucky to have enough cash on hand when I needed to cough up the sometimes absurd premiums (like a cobra payment of $1200 a month for a year) -- so far, anyway.
Capitalism is one of the two roots of our health problem (lifestyle is the other one). Attached to American Health Care, like a big ugly glioblastoma on the brain, is the parasitical profit-making health insurance and intermediary administration companies. Americans have been brainwashed by the capitalists into fearing single-payer insurance (aka, medicare for all).