Ad 2. - freelancers/contractors have the same problem as regular employees in the US, no? E.g. one gets long covid, can't work for 12 months, runs out of money,

Ad 2. - freelancers/contractors have the same problem as regular employees in the US, no? E.g. one gets long covid, can't work for 12 months, runs out of money, then loses any medical insurance due to inability to pay anyway?