Well presumably an insurance company isn't going to sell insurance unless it's an expected profit for them. I'm not sure how much a sum of all treatment costs of all life threatening conditions weighted by probability of occurring would come out to, but I would imagine it would be more than someone who's just barely scraping by can afford.
I'm also not really seeing how the government's involvement would be hurting the ultra-poor in this scenario; presumably they're not making enough to be taxed.
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No I'm not a damn furry. Looney Tunes are different. - Guiga
I wanted Sonic/Shadow romance at that time, not sex. - MWE