"I have basically not been to the doctor in 7 years because of medical bill fears." I mean this kindly, but your concerns are not rational. Every middle class

"I have basically not been to the doctor in 7 years because of medical bill fears." I mean this kindly, but your concerns are not rational. Every middle class person I know goes to the doctor from time to time and has somehow avoided $1m dollar bills for providers listed as covered by their insurance. While our system is bad, you are greatly overestimating the probability of something very bad happening to you.