I'm older, have children, and have been in two car accidents (one very serious) because someone else was being stupid (and uninsured). Having treatment refused

I'm older, have children, and have been in two car accidents (one very serious) because someone else was being stupid (and uninsured). Having treatment refused to my children because they are not insured (or not insured enough) is quite frankly terrifying. The system standing between me and medical machines and professionals is damn near random and I find it terrifying. Enough that I've had serious pause when striking out on my own. Not everyone who starts startups (or other business) is 23 and single.