These careers do have decent insurance in the US. Long term illness is a different beast, but the most of ever pay for a medically necessary surgery is $3800, which is my max out of pocket. And I’d get short term disability which pays both 80% of my salary to me, and some amount to the company to compensate for my lost time.
Good jobs in the US really don’t have as many horror stories you are always hearing on the internet. I mean, we have lots of other horror stories which are totally true, like our schools being violent and deadly. And rural areas being filled with the stupidest people on the planet. And even in lots of tier one US cities, the public transportation being useless.