The rate is not the issue. People only will go into bankruptcy from major medical costs, not preventive care or general healthcare costs, and those that do go bankrupt from major medical costs can rebuild from bankruptcy, so it is not an issue to focus on. The point is that people should plan to deal with their own non-emergency care - this is personal responsibility.
Not taking personal responsibility for your own general healthcare is tantamount to making yourself a ward of the state. What's next, state provided housing, and we work state sponsored jobs? Endenture ourselves to the government? No thanks. The bottom line is that we do have to teach personal responsibility to millions - as our ancestors did. If you don't understand this, you should go back to school and study history.