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>And given that it’s now a US requirement to have medical insurance

It became a "requirement" in 2014 with Obamacare, but since the repeal of the individual mandate in 2019, there is no financial punishment (except well, the increased possibility of medical bankruptcy) for not having insurance:

https://www.kff.org/health-costs/issue-brief/how-repeal-of-t...



I'm glad the requirement is gone. I had trouble affording insurance under the marketplace plans when I returned to the US:

https://battlepenguin.com/politics/returning-to-america-and-...




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