Overall it is profitable for people to be alive, but to the society as a whole. But to the insurance companies every health issue means loss of profit, and when that loss outweights the potential future dues, they would love to and actively try to write off person to die.

So let that sink in: the people that in the capitalist system are tasked with healthcare of society, are incentivised to deny people any nontrivial care.

Truly the best of all systems (/s)