Money is rarely a limiting factor as much as the desire for more money.
The age of mental peak is also generally the age of most obligations accrued.
Posted by someone whose apparently always had enough.
I personally have gone uninsured for a few years at a time and there was no instant calamity, just an elevation of risk.
And thus, by extension: Those who cannot live without health insurance needn't remain alive.
But looking at this another way: some societies effectively transfer needs into wants by making them contingent on other factors. In the United States, healthcare coverage remains difficult to obtain even if you have significantly above-average wealth or income, unless you have access to an employer's coverage. This has improved somewhat under the ACA, but there's a significant variance on a state-by-state basis.
More generally, though "if money wasn't such a limiting factor" and "Money is rarely a limiting factor as much as the desire for more money" both suggest that it's the pursuit of wealth itself that ZaoLahma and dr_dshiv meant. And there are certainly people, particularly amongst the ultra-wealthy, who seem motivated in this way, with wealth at which access to healthcare simply isn't an issue: they could hire their own doctors, pay out of pocket, or travel to where healthcare access isn't an insane torture device of its own.
It's wants that drive the dynamic originally commented on. It's the confusion of wants with needs that's being distinguished. E.g., many people do in fact have their needs met to a degree that would afford freedom, it's their wants which inhibit them.
Thats the point I was hoping to make.