Insurance covers things to a point as others mentioned, but you may not know what tests or procedures they'll run. Will all the doctors you see be "in-network".

Insurance covers things to a point as others mentioned, but you may not know what tests or procedures they'll run. Will all the doctors you see be "in-network". Sometimes ambulance trips are not covered if you don't get admitted, so it's a gamble. It's exactly what we'd want a life critical service to be. (/s). In addition to that, workplaces also give out limited number of sick days, so people don't go to the doctor and go to work instead. They ride in public transportation to get there, maybe stop at the store on the way back if symptoms haven't gotten too bad, handle some produce and so on. Well we see where this is headed. I think once something like this virus comes to a large city in US, it just has a pretty good chance of spreading and in large to our broken healthcare system.