For a simple replacement for a sms messaging app, there is https://f-droid.org/packages/org.fossify.messages/
When the aca was passed, insurance was mandatory. Sorry i forgot that the gop tax bill in 2017 repealed the individual mandate penalty. Some states still do have a penalty for being uninsured.
I don’t understand this meme. If you have an hmo you’re supposed to have a primary care doctor/physician. If you have ppo then sure, it would make no sense to have a primary care since its not required to see a specialist. But if you have insurance and your not well off then it a pcp isnt an issue or you have an hmo.
Boiled frog