Straw man alert.
I have a family of three, and if we had to pay the combined medical bills for all of us (dental, vision, health) out of pocket with no coverage, using retail rates, over the past 10 years, we'd have saved about $15,000 by doing so. That's because we lead healthy lives.
Opening up this floodgate means we all have to pay for fat kids of derelict parents to suffer through diabetes, high blood pressure, etc., etc., etc.
You don't have to make anywhere near $30,000 a year to get health benefits. If having healthcare is important enough to you, you'll take a lower paying job someplace where you get to enjoy that benefit.
One's health, and the costs associated with maintaining it, is effectively a risk to be managed. I don't want the government to get the idea for one minute that they're better at managing risk for me than I am, nor that I should pay for them to manage risk for other people.
First, Look up strawman argument.
Now, you are lucky that you have benefits, many don't. Many families, depending on states do have to pay upwards of $1200 monthly for a family of four [and that is NOT including dental or vision]. You live in a low cost of living state. That helps.
You mention those mean ol families who don't take care of their kids and have diabetes, high blood pressure, etc but failed to mention those with breast cancer, brain tumors, inherited conditions, allergies, asthma, and those many surprises that even "healthy" families have.
Sure we have a subset of folks that have unhealthy habits but much of the large cost of healthcare is not those folks problems, it is the folks without insurance who have to use the ER as their primary care physician since that hospital HAS to take them and it is the litigious nature of our society that requires a doctor to to 20 tests to CYA in hopes he won't be sued because he missed something when little Billy accidentally exploded the water heater and knocked himself out cold.
We are the only industrialized nation without a healthcare plan for our citizens. We are also one of the least healthy. Do you ever wonder if there is a correlation in that? Why do more of our young children die than in nearly 1/4 of the other countries in the world when we are the richest country on the planet? Why do people die in their homes, without healthcare because they can't afford to go to a doctor? How does a country that is this rich and bountiful let that happen?
Are we that calloused and stupid?