In the US, that might be true if you don't have kids, and/or don't aim to buy a home in a major metro. Otherwise, a lot of those people are going to be working multiple jobs, or relying on a higher earning spouse. Especially retail and restaurant workers. Most won't even get subsidized health insurance from their employer, and if they do, they are not going to be able to afford the deductibles with their income from one 40 hour per week job.