That has no bearing on the truth of the claim. It's disingenuous (and insulting) to suggest that the reason poor people can't afford expensive health insurance

That has no bearing on the truth of the claim. It's disingenuous (and insulting) to suggest that the reason poor people can't afford expensive health insurance is that they all have brand new iPhones, or some other unnecessary luxury. It is a valid rebuttal of that argument that poor people don't all spend their money on brand new iPhones, or the like. One cannot rebut that rebuttal by repeating the original claim.