In the US, the distinction between having health insurance and being able to receive necessary healthcare is not a huge distinction. Fairly sure you know this.
I would consider a distinction between financial ruin and death to be fairly significant. That doesn't mean I think a system that so frequently results in financial ruin is acceptable.
My intention is not to say "you're just broke, you're not dead". Quite the opposite. My intention is to say that health care access is not limited by whether you have a job - it's whether you have money. Plenty of people have money but no job and even more have jobs but no money.
Emergency healthcare prevents some causes of death - generally, those which can be fixed in an ER and allow the person to continue living a mostly normal life after. Take the example of a diabetic person, or a suicidally depressed person, as counter-examples which cannot be fixed in an A&E environment and will lead to death.
