Wow. To say that those who can't afford insurance but are above the Medicaid eligibility requirements (which are only 33% above the federal poverty level) are voluntarily "living beyond their means" is an incredible oversimplification. Unexpected financial hardships, from motor vehicle breakdowns to insufficiently covered health events, can easily cause a family to fall behind on commitments, and any lapse in premium payments can destroy healthcare coverage for the remainder of a calendar year (or more) with little warning. But somehow I don't think anything I can write would convince you to change your beliefs.
You are providing a legitimate case where people get behind on payments. The thread I responded too was making a case that everyone that isn't rich in the US is completely screwed. Sure, there are some cases where you can't make your commitments, but that isn't everyone.
As for little warning, there have been laws requiring ample notice and grace period for a long time now in the US.
