The "tiers" of service are meaningless to me.
Because of preexisting conditions my wife and I have experienced times of uninsurability, once while my wife was very seriously ill. We ended up running a $2000+ a month Cobra plan to the bitter end and then my wife spent a few weeks on the waiting list for our state's high risk insurance pool, as huge medical bills we had no means of paying piled up . That was truly terrifying. I'm absolutely certain people have died in similar circumstances. My wife recovered, but our finances never have.
Nobody dies if the cable television is cut off. People are dying every day in the U.S.A. because we have the worst medical care of any "first world" nation.
Even affluent people who believe they have good insurance will soon discover how crappy it is when challenged by a very serious illness or accident. Even people with platinum insurance plans and such wealth they can write hundred thousand dollar checks without flinching often get crappy, inappropriate, and sometimes deadly medical care in the U.S.A..
So no, it's not like cable television at all. We live in a land where grifters prey on the sick and the injured, wealthy or poor, a land where conscientious medical providers often burn out because they are denied the resources to properly care for their patients by no-nothing MBA's and superstitious ignoramuses who believe all illnesses and accidents are some kind of punishment from their disgusting imaginary gods, gods who reflect the emptiness in their own hearts and minds.