It's weird though, you'd think that would be exactly the kind of risk that would be insurable. Privately or as a whole society. Some of us will keel over on the spot or otherwise incur near-zero end-of-life costs; others will need $2 million of care to make it through the last couple of years. It seems less relevant whether people in society pay their everyday medical costs out of pocket, compared to the fact that any one of us might need rare expensive treatment or complex care. The whole country sharing the risk as a massive national collective self-insurance exercise seems like the best solution.