It would make sense if everybody were insured. However they really would want everyone to get tested, not just their customers, for the reason you cited. If any

It would make sense if everybody were insured. However they really would want everyone to get tested, not just their customers, for the reason you cited. If anything, they should be incentivized to make their own foundation to give it away, like Bill Gates is. Car insurance companies have pooled together to form the Insurance Institute for Highway Safety for crash tests. So such things can come about.