Ok, how about this as a plan then; People can sign up with an insurance company and instead of paying premiums they pay with their estate. Each year the insurance company gets more and more of your estate. I.e. once you die the insurance company gets their cut.

If the proposed treatments exceed what your estate is worth than you get no treatment.

Hey, really this is a sound idea but again only for those that really would OK with NOT getting treatment once their net worth has nothing remaining.