Indeed, for people who have a lot of money there are no problems in terms of insurance, but for poor people who are only able to meet their daily needs, it is very difficult to arrange insurance. The only way for poor people is for the government to cover insurance costs so that people do not experience difficulties when health problems occur.
Poor people who do not have vehicles or other assets will of course only need health insurance for themselves, which they can indeed request through the government and I think the government will also want to provide this if only for poor people because they are indeed unable to realize it themselves. But in cases like this, what we need to underline is the importance of insurance for everyone, even though the models and measurements are very different because this also makes it easier for everyone to deal with the problem of spending large amounts of money at one time when there is a disaster or illness.