Every American does not have a right to live in a house...they do have a right to live
People have control over their credit history. They cannot control congenital birth defects and cancer. If health insurance companies want to insure Americans let them insure everyone regardless of what hand they have been dealt regarding their health.
If they are not willing to do so, it makes a pressing reason for Government Single payer
Every American does not have a right to a weekly paycheck. They do not have a right to receive unlimited benefits from the government or from private companies. They do not have a right to health insurance. Or car insurance. Or life insurance.
They certainly have control over their own obesity and smoking and drinking habits. And those are the largest causes of health conditions in this country.
And companies certainly have the right to do business on whatever basis they want, subject to very limited guidelines.