Socialized medicine or insurance is the reason why they don't have the money to insure themselves.
They sound healthy, your sister doesn't. They pay through the roof because government got involved into healthcare well over 50 years ago and the cost indexes have bloomed like an algae moat.... which anything government regulated and/or managed always eventually does.
Dropping words or phrases like, "non-profit organization", or "corporate" does a huge disservice to the reality of the facts at hand.
Your sister is a risk, and instead of reducing the costs of such a risk through open market, you've invited the big government/soon to be nationalized bail out contractors in to not only make 500.00 USD toilet seats instead of compete within the market and drive down prices for essential services, you've introduced real corruption... the dirtiest of all spores.
You may think you're doing your family a compassionate service by rooting for the Federal Team, but you're actually enslaving them and the rest of us in tyranny.
Go, you!