Insurance is a foil against risk, not a shield of invincibility.
Many people drive as if being insured protects them against bad outcomes, including death. The bad outcomes are still a risk, and insurance only helps people with the aftermath. Insurance cannot magically prevent a bad outcome or fully restore what has been broken. Life is funny that way.
Obamacare is based in part upon one great fallacy, that the accepted concept of health insurance is insurance. What the majority of Americans have through their employers, have obtained themselves or through government agencies is ONLY PARTLY insurance of catastrophic risk. The majority of what we now call health insurance is a massive redistribution scheme that profits cronies through legal mandate and entices government to regulate how we take care of our personal medical needs.