If health care circa 2010 (including things like MRIs and Viagra) is a "need", then every single person in 1960 did not have their needs met.
Also, if you have evidence that health care bills cause many bankruptcies, I'd be curious to see it. All I'm aware of is Elizabeth Warren's utterly flawed studies, unfortunately widely and uncritically cited in the media (she considers Michael Vick's bankruptcy to be caused by medical bills).
"(Of course, jobs are often "lost suddenly" no long after a "cancer" diagnosis)."
Losing your job != losing your insurance - look up COBRA. If you have no savings it might, but having no savings is a choice.
"This has been postulated is also the reason why per employee productivity has been going up since the 70s -- people simply have been putting in more hours and doing more work because they are afraid of losing their jobs."