Health insurance is an exception amongst insurances.

The primary form of insurance is paying a third party to take on a risk on your behalf.

For example, if my business owns a truck, but I don't want to take the risk that it might be stolen or be involved in an accident, I can pay someone else to take that risk. There's nothing wrong with that and it's a normal part of business.

However, there's all sorts of weird things called insurance that are really something else. Life insurance is my favourite awful example. Some policies are ok, like I have $x left to pay on my mortgage, so I can get a life insurance policy for a similar amount and at least if I die my family will have the house paid off. Others are a weird kind of savings plan, where you pay a lot more but get a big pay out once you reach a certain age.

Health insurance in the US is obviously tangled up with politics and profiteering and is more like a complicated extortion plan than insurance.

As a general guide, any insurance you intend to make a claim on is usually problematic.