Inequality stuff mostly unrelated to solvency.

Access and equity issues: Lack of insurance is the primary systemic barrier to health care access in the United States, demonstrating that multiple financing systems fall short of universal coverage. Universal health coverage means that all people have access to the health services they need, when and where they need them, without financial hardship.[18] It includes the full range of essential health services, from health promotion to prevention, treatment, rehabilitation, and palliative care. In addition, the high cost of health care in the United States exacerbates existing health care disparities that result in premature morbidity and mortality and intersects with race, social and socioeconomic status, age, and disability. One feature of the United States health care system is the prevalence of high-deductible health care plans. These plans, intended to incentivize patients to not overutilize health care, disproportionately affect individuals with low incomes. In the period from 2003 to 2014, when high-deductible health plans proliferated and overall increases in U.S. health care spending slowed down, health care expenditures for the wealthiest quintile grew by 20% while falling by 3.7% in the lowest quintile group, despite this group having the worst health outcomes.[19] In addition, since health care expenses are not proportional to personal income, individuals with low incomes pay a larger percentage of their household income toward health care costs. Thus, the private health insurance market exacerbates wealth inequality by functioning in a manner similar to a regressive tax. A survey of health care expenditure data showed that this system effectively redistributes 1.7% of total income from individuals with lower incomes to those with higher incomes.[20]