Health insurance is misnamed. It’s not about health at all, it’s about illness. You can’t use it unless you are sick. ‘Health’ insurance companies basically aren’t interested in keeping you well.
But, we might not buy it if they called it ‘Sick’ Insurance.
Kind of like ‘Life’ Insurance, which you have to die to collect.
Or, the ‘Side’ effects of medication (which sometimes include death).
If they called these things by their proper name (Death Insurance, Very Bad Effects) would we purchase them?