If you make it to Medicare age, it gets a lot less stressful. eg: my folks have had 4 knees replaced with very little out-of-pocket cost. There’s still supplemental insurance, but Medicare, not the profit-driven insurance company, determines what gets covered, and they mostly listen to doctors. There’s always edge cases, where some treatment might not be covered, but I feel like those are uncommon.
One way or the other, my ultimate health care plan is 9mm.
Trouble is defining “The Rich.” Like, definitely billionaires, but there’s only a thousand of them, and you can do a lot of damage with half that. 1% are people with something around $10-15M, and that doesn’t really feel like buy-your-way-out-of-murder money. But even millionaires are probably pretty well insulated from concerns of rent and the price of eggs.
If it were up to me, “Rich” would be somewhere in the 8-figures region, but I’m one of those privileged, ‘comfortable,’ oldere people.