It should be cheap, because you probably wont use it
Dont be ridiculous. We are $20 trillion in debt over medical services provided in the last six months of life. This tendency is growing, not shrinking.
If you cover catastrophes - 100% of people will have one, eventually.
I am 100% sure that medical services provided in the last 6 months of life is not the source of $20 Trillion in debt. It simply comes from spending more than taxes bring in. That is the inevitable result of outsourcing the money supply to a cabal of bankers.
My friend's mother was 72 and had everything wrong with her. Lungs, heart, blood sugar, everything. That last month of her life cost the tax payers over $800K. Then my friend got brain cancer - same kind as McCain - and I know those chemo/radiation/MRIs/Avastin infusions weren't cheap. 18 months of that (and of course, none of it could stop the inevitable.) But the hospital cheerfully spent money trying, and billed her insurance company very faithfully.