Healthcare that is not accessible without falling into debt and/or prison is poor healthcare, period.
To a sick person, it doesn't matter if they can't get themselves treated because the infrastructure doesn't exist or because the infrastructure exists but is out of their reach; they're dead either way in the long run.
And in the particular case of an epidemic, having a significant part of the population without good access to the healthcare system is likely to create worse outcomes for EVERYONE.
To a sick person, it doesn't matter if they can't get themselves treated because the infrastructure doesn't exist or because the infrastructure exists but is out of their reach; they're dead either way in the long run.