It just so happens, I work in the healthcare industry (on an ambulance). We have a county hospital here, a Sacred Heart Hospital 20 miles away, and a large city to the East and West, both with two major hospitals each.
Sadly, the Sacred Heart requires insurance, or self pay. The county hospital has an obligation to stabilize life threats only. If a disease or cancer is identified specialists are required. The healthcare stops there, as specialists require insurance or payments, many up front.
Now, even at the county hospital, payment is expected but payment plans can be worked out.
The problem I’ve seen, in some life threatening instances, is when a patience has to decline treatment because they cannot afford it, or it would take what little their families had, and normally it is not enough to pay the bill completely. Many bankruptcies are a result of astronomical medical bills. This is not the quality of life, through healthcare, that the Holy Father is calling for, in my honest opinion.