Just one of the insane consequences of treating healthcare as an insurance issue, rather than a public health issue. The health issues which people need most protection against are the ones that are certain to occur. So the interests of insurers are the exact opposite of healthcare needs.
There was a time when fire brigades were paid for by the insurance companies, so if you had a fire and didn't have a sign on your house showing it had coverage, the firefighters wouldn't help. (I'm not making this up, you can see the signs in museums.) Draw your own parallel.