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.
not at all the case, not everyone gets cancer, not everyone has a stroke, not everyone has a stroke. it's the same logic behind insurance companies not accepting people, or charging vastly higher premiums, with pre-existing conditions. it's not the way insurance is supposed to work. you don't total your car, then call an insurance company to get a quote, sign up, and then mention your car was smashed. the system works with people paying into it who are young, paying their whole lives, so that when they are elderly and do need treatment (or in the cases of catastrophic events) they are covered. it is completely unfair for people who are already sick to expect coverage from those who are playing by the rules.
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.
this also is not unreasonable. the fire department has to be paid by someone, either you can buy fire insurance or you can have higher taxes on a state or city run department