Yes to: "if you are truly living paycheck to paycheck, getting a minor injury that needs a couple of days off of work, may be enough to screw things up for quite a while." But also most reputable companies have paid sick days...so my suggestion is, employees, do not waste them?

Also please understand that Medicaid is the temporary safety net for poverty status (and should  not be for refugees and immigrants actually) and please also realize that if one makes too much to qualify for Medicaid (Well, used to pre ACA) that medical providers, including hospitals, do and will work with one reducing or eliminating their bills. I would never say it is easy, one has to provide proof such as tax returns, and it takes time but it does happen. 

Medicaid, expanded, is not affordable. Free emergency care is critical, but needs to be specifically laid out as to what is allowed and stick with that. Insurance companies need to compete, across state lines. Wooing customers lowers customers costs.