I'm both rural and Native. I get health insurance through my workplace. I don't appreciate people jumping to immediately toss blanket blame on groups of "others."
Oh, by the way... I also pay auto and homeowners insurance. That's right, I own a home and don't need "renters" insurance. These are products, and I pick and choose which products I spend my money on. 
Don't tell me I have a free ride. I work as hard as any "urban and non-Native" for my money. I also work hard not to lump "urban, non-Natives" into one group when I comment on articles.