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US insurance system Fine for everyone?

Recently, I had a conversation with a friend who claimed that he went bankrupt because of the insurance system. I was shocked by this statement and decided to seek the expertise of ChatGPT, AI come up with results were shocking, and I combined them with animation to create an animated video with the help of AI
Based on my research insurance companies may deny coverage for a medical procedure or treatment that is deemed necessary by a doctor. This can leave individuals with significant medical bills that they cannot afford to pay, leading to bankruptcy. Additionally, insurance companies may only cover a portion of the cost of a procedure or treatment, leaving individuals with a large out-of-pocket expense.
Furthermore, insurance premiums can be expensive, especially for those with pre-existing conditions. This can be a significant financial burden, especially for those who are already struggling to make ends meet. the small animated movie is based on my understanding of the US insurance system.

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