"Health care" is the actual benefit. Regardless who pays the bill, "health care" is the doctor, nurse, bandaid, or medicine; whatever is required to actually treat an illness or injury.
"Health coverage" is a quasi-tax, hypothetically intended to spread the risk and cost among enough people to reduce the immediate cost to an injured or sick person. In reality, "health coverage", its monumental bureaucracies, and its battalions of lobbyists, lawyers, MBAs, and overpaid bimbos, is the culprit in the so-called high costs of "health care". Insurance companies don't treat illnesses or injuries. They collect money, and their profit is derived by how much of that money they can avoid paying out in claims. In the process, many tons of money intended for "health care" gets sucked off into one of the most corrupt forms of business in the world.
Rarely does an insurance company go belly-up. Many doctors do. So do clinics and hospitals.
Even if you fund most of your own "coverage" with an HSA, you can only do that if you let one of the anointed insurance companies sit on your HSA funds and earn the interest generated by it.
If Americans want something constructive done about their health care costs, they need to focus on the black hole of insurance, where money goes in and most of it doesn't come back out where it is intended.
And before the stockholders show up to defend their cash cows — one competent bimbo with a modern PC and average spreadsheet skills could handle the accounting for a very large insurance co-op for several thousand customers, what currently takes most insurance companies several thousand employees to do now.