I think it is more important for the poor people to get involved in health insurance than the rich. Dangers can occur at any time in human life, unexpected illnesses, diseases and accidents can happen. In a risky situation, rich people can easily cover their risk with money, but poor people cannot. But if they consider their health awareness and keep health insurance then they can enjoy the benefits when they are sick or in danger. We should remember that the main objective of insurance is to reduce the probability of risk and the amount of loss.
In the country where I currently live, people don't use health insurance much because most insurance companies here don't offer health insurance at the individual level.
But insurance is very expensive and very often once you need it the insurance company will do everything on their power to not pay, so while I do consider insurance to be important, at the same time it is not an easy solution to take especially for those that are poor, so the best they can do is to try to remain as healthy as possible by not picking up any bad habits along the way, this way the risks of suffering a debilitating disease early on during their lives will be decreased as much as possible.
Talk with trusted agents and discuss about which better insurance plan is good for you according to your financial capabilities. For sure there would be a good discussion will happen and enlightenment towards the benefits you can get from acquiring a insurance to the experts on that field.
But if you are worried about those insurance companies will not paid then I guess your selection or research for good companies will play a big role their. So select those reputable institutions to avoid any issues towards your insurance plan acquired to them.