As I said previously, I do not believe in a race to the bottom. Just because the state pension is the only one that has protections doesn't mean it should be the only one. If the status quo changes, it doesn't have to change for the worst. Why on earth would I wish to argue to make things worse (for some people) rather than better (for more people)?
We have from 18 to 68, fifty years, to enrol in an occupational or private pension and build a pot. You can be born disabled or become disabled at any time, not a fixed point in the future, so pensions and health insurance they aren't comparable.
You may have 50 years. People born in the late 1950's don't - they are (mostly) already retired and have lived through periods where there were few occupational pension schemes / private schemes that were accessible to them. Perhaps you only know people who are middle class with nice pensions and homes owned outright. That is not the sum total of pensioners or those approaching pension age. And health insurance is comparable if (again) you consider that the current system isn't the only one possible. The UK system is actually very unusual in world terms - it is not the best, nor is it the worst - but it is certainly not the only possible model. Again, why assume that we must keep the status quo or have something worse - we could aspire to something better?
Health insurance doesn't cover pre-existing conditions, so your suggestion wouldn't work for people born disabled.
Our system of health insurance doesn't cover pre-existing conditions - I didn't say that I supported such a change, but it is certainly possible.
I'll be sure to let the pensioners I know who are avoiding using gas and electricity because they can't afford the bills that they are privileged. 1.4 million pensioners claim pension credit because they are poor, and it is estimated that 4 out of every 10 pensioners eligible aren't claiming it - they are also poor. And if £12,000 annually is anyone's idea of luxury, then I'd love to know what hardship is.
Around here many of them are disabled with industrial diseases, their pension scheme was stolen, there hasn't been jobs for most of them in decades due to lack of employment / ill health caused by their former employment, and their communities / industries were deliberately destroyed by Margaret Thatcher. Some privilege.