If insurance companies had their way we'd have universal healthcare and mandatory private insurance that was allowed to deny claims freely.
They get $800 a month, and replace their entire claims department with a system that automatically denies claims and forwards the bill to the government. You're legally obligated to receive preventative care and live a long and productive life to maximize the number of payments you make to them.
Obviously dental, vision, skin, bones, organs and mental health are an additional $250 a month each, mandatory, and provide no coverage.