I can’t imagine any health insurance company paying for a hip replacement for someone who is terminally ill - even if they have a couple of years left.
Let us say you have paid into a health insurance company all of your life, the time comes to have a hip replacement, but the company says, the actuarial tables say you only have 3 years to live why should we pay for a hip replacement? The answer of a person with a brain would be: "Because I have paid X amount of bucks into your program and you owe me this hip replacement, I have 3 year years left, and maybe more despite your tables, and I want them to be pain free and myself mobile. Pay up."
If you think that government insurance isn't paid for day after frickin' day by taxpayers who work for a living then you need a new brain. Embracing this type of BS means that you are not a conservative but are a liberal at best, and a communist at worst.
I vote for communist.