To counter your Texas anecdote... I live in Texas, and my dad was diagnosed with stage 4 metastatic melanoma (extremely low survival rate). The cancer doctors we have in Dallas are some of the best in the world. My dad had insurance and it covered an upwards of $200k. My dad's fine today, and has been cancer-free for 5 years.
The only things that stood out as being broken was the doctors' paranoia of being sued.
I don't think your father's income has anything to do with how much he would have had to pay out of pocket. And since I understand you object to the government running things, do you have philosophical objections to the USPS delivering your mail? Or receiving Social Security benefits when the time comes?
(These are serious questions, I really would like to know)
My dad's income does have something to do with it because I didn't notice anything change for us financially despite all that he had to go through. Ergo, it couldn't have been that much. I know most doctors don't care how much you make when they bill you. Sorry that I wasn't clear.
I can object to things on a philosophical level and still use them. We become reliant on programs that should have never been created in the first place.
The only things that stood out as being broken was the doctors' paranoia of being sued.