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Insurance is a scam. Fuck them. I pay each fucking paycheck and they don't want to pay. What if everyone dropped their insurance and then paid out of pocket. As long as you are paying something, they can not collect, and hospitals can't turn you away.
This is literally what America is fine with health insurance CEOs being denied further life coverage.
Edit: The article is about health insurance, but it doesn't matter. The goal of insurance is to take your money, use your money to invest, and then try not to pay you anything. Yes, people have had insurance cover some things in an emergency, but they should be doing more.
Guy in the article, Richard D. Zimmel, has a 725K property, add maybe 300K of what's inside and you reach a million $. Not everyone has that in his pocket account :-/
And there's another part of the problem: artificially inflated house and property prices.
https://www.zillow.com/homes/for_sale/Silver-City,-NM_rb/
There are a lot of houses in Silver City, New Mexico that are a lot cheaper than the one owned by the guy in the article. My guess is that his is probably pretty ritzy for the area.