Besides having a huge deductible!
When I was growing up in the ‘60-70s, my father, a union auto worker, didn’t have health-care insurance. Our family was covered under what was then known as “hospitalization.” It covered low-frequency, high-cost events like operations, broken bones, and babies. It did not cover routine visits to the doctor’s office, prescriptions, and the like. Such things were paid out-of-pocket and nobody expected nor demanded otherwise. Both the hospitalization premiums and out-of-pocket expenses were quite affordable. Health-care costs would plummet were we to return to such a system.