We had a fairly brief period, years ago, between 'employment opportunities', when we had what I called "won't loose the farm" health insurance. It didn't cover routine anything, but would have paid enough towards a bad medical episode. Worth it!
We did have a pretty good employer plan twenty years ago, when DH had a near fatal stroke. That would have wiped us out without that plan; the total bill, then, came to around $350,000! We paid our copays over time, which were enough, but nowhere near that amount!
Now, Medicare plus supplemental is the very best insurance we've ever had! Working for the government, or GM, were always better from an insurance standpoint.
Mary