Ok, math time kids.
A loved one is diagnosed with a pre-disposition to a form of cancer in which treatment is available, but the drugs will run you about $100K a year. This is more than the average family can afford without liquidating all of their assets.
So what do you do:
a) Withhold this information from the insurance company so that they cover you in ignorance
b) Have government regulation that forces the insurance company to renew your policy at a rate that's economical for you, and thus a huge loss for the company
c) Force the drug company to sell the drug for less.
d) Remove the patent rights of the company
e) Get treatment in a country that does not recognize the patent rights
f) prepare to die