John Goodman asks:

[H]ave you ever seen a commercial for health insurance that focused on why you actually need health insurance? That is, have you ever seen a health insurance commercial that told you that you need a really good insurer in case you get cancer, heart disease, AIDS, etc.?

…

So what’s going on?

The short answer is: the casualty insurance market is a real market in which real insurance is bought and sold. The health insurance market, by contrast, is an artificial market in which the product being exchanged is not real insurance at all. Instead, it is prepayment for the consumption of health care

via Why You Don’t Have Real Health Insurance | John Goodman’s Health Policy Blog | NCPA.org.