Fact is, insurance of any kind, be it auto, home, health, are only there to make profits, and limit their liability and payouts. They do everything in their power to limit settlements, and coverage. They are not your friend, nor are they there to help, regardless of what their commercials with all those smiling faces depict. Smiling faces, sometimes they don't tell.....
Just the way it is.
You tapdanced around a critical issue: insurance is not something you get
after you have serious health issues.
That's usually referred to as welfare, if the government provides it --- which someone else always has to pay for.