It does seem to be over the heads of an awful lot of people . . .
I expect if you took random samples of insured vs. uninsured parents, and asked them how high a temperature their young child would have to have before they'd take the child to the emergency room, most of the insured parents would give you a reasonable number while a large percentage of the uninsured parents would say they have no idea, or that they don't have a thermometer in their home so would have no idea how high the child's temperature was. If you arrive at an emergency room already closer to death, you're more likely to die there, regardless of what treatment you get.
And don’t forget the “perverse incentive” angle that many don’t get either.
Leftists, in particular, are willfully obtuse when it comes to the effects of their policies on the behaviors of people.
Gosh, I wonder why people stay on unemployment longer when you increase the time and money allowed.
Gosh, I wonder why people on welfare don’t get jobs when we pay for everything they need.
Gosh, I wonder why people demand more healthcare when they don’t have to pay for it.