I have never been left in worse financial straits in my life than the time I learned what "coinsurance" is, and now I consider any health plan with that limitat

I have never been left in worse financial straits in my life than the time I learned what "coinsurance" is, and now I consider any health plan with that limitation to be essentially worthless. If health insurance can't protect you from being bankrupted by an unexpected medical experience, what is the point of it?