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You said there were people who couldn't afford insurance but could afford elective procedures. For reference most can get high deductible insurance for ~$300/month from your employer
The totality of people you are referencing are those who cannot afford insurance. A moderate to high earning family may CHOOSE to forgo insurance they are not the people you were ever referencing. You have successfully proven that there are people who can afford insurance who do not purchase it. Those who cannot afford any insurance are those who have a lower income than the 2/10 you reference. They cannot afford another $300 a month. Rather than the top 20% of the uninsured they are the bottom segment. They are frequently the people who would have medicaid in states that expanded it. This too is a feature you don't understand because you don't live here.
From your own link again these are the bottom-most not the topmost uninsured.
Here is a study that found that 59% of the entire country didn't have enough to absorb a $1000 one time expense.
https://www.cbsnews.com/news/saving-money-emergency-expenses-2025/
The overlap with those who don't have 1000 available to cover an emergency with those who don't have enough to cover 1000 is basically total because of the distribution of wealth in MY country. The top half has 91% of the wealth. The next quartile has about 9% of the wealth. The last quartile has debt and nothing else. It is literally that bad. It is a regular thing for people to engage in short term loans at 300% interest until their payday so they can pay their rent on time and get stuck in a loop where they have to keep getting another payday loan because they can't catch up. People regularly crowd fund medical debt and the biggest single source of bankruptcies which are common here is medical debt but oops some years ago we fixed it so even those who have nothing have a hard time getting out from under it unless they have a bunch of money and time to litigate it whilst rich people frequently walk away from debt painlessly and repeatedly.
We are fucked. We are fake successful living off debt like Wile E. Coyote before he runs all the way off the cliff and looks down. This too you don't understand because you don't live here.