I'm going out on a limb here and supposing that he buys it from an insurance company. Not trying to sound snarky, but it's just not that big a deal for most people - it's a service and you buy it. Yes, it gets expensive for some people with certain conditions or over a certain age, but it's just a cost of doing business for a huge number of people.

Get a high-deductible policy ($3.5k - $10k) and your premiums for an average family could be between $300 and $600/month. (blue cross blue shield in north carolina, husband and wife in 40s and 2 teenage kids - sample quote).