I have come to know through difficult and highly stressful experience, that there is no such thing as "effective coverage" and "affordable coverage" when you are truly ill and have healthcare needs that surpass the odd doctors visit, breast screening, ear infection or cold. More Insurance is NOT the answer, and I mean this sincerely. Insurance Companies are designed to NOT help sick people - they are public and need to make money for their CEO's and investors. Insurance Companies are truly designed to help healthy people - because they don't need help.
I represent the black-hole in US health-care - the middle-class who have insurance and receive nothing in return.