>In the good old days, if you got seriously sick you'd lose your job, then your work health insurance... then your house. Almost all of the middle class bankruptcies affected people who had comprehensive health insurance until they got sick.
>
>It's as if you insured yourselves against fire for years but then one day there's a fire... and the insurer cancels your policy to avoid paying out.

That might have happened, but I never saw it.
As I said in my other post, I had a serious siege of hospitalizations in 1998 and the insurer covered all but the $5K deductible.
I know people who have been under treatment for the same illness for years and I've never heard of a cancellation.

Pre-existing conditions are another matter.
I haven't decided whether thaat feature made any sense or not.