1 John 1:8English Standard Version (ESV)
8 If we say we have no sin, we deceive ourselves, and the truth is not in us.
There is sin in everyones life and we cannot get around that fact. Some of the most obvious sin of course is unforgiveness, which is obvious and deadly. Definitely get rid of that. We are told in the Word to not be sin conscious, to not dwell on or sins, but to feast our minds on things that are lovely, of good report, pure, etc.
The Word says that God always hears and answers our prayers. I don't believe He ever says "no" to any of our prayers, unless it is not in line with what His Will is in the Bible. When we seem to hear a no it is usually because He has something better He wants you to ask for. In this case, I don't see having insurance is what you should be putting your faith in. Your faith should start in the Word. Jesus walked this earth in divine health. Because Jesus did, we can too. That is a part of our inheritance as a believer. According to our faith let it be done to us. Maybe God is wanting you to believe in His Word that says, "by His stripes we are healed". The first step is believing in the Word, and then all things shall be added unto you. Seek God, not insurance. God is calling you to greater things than millions of others. They may not be capable of the faith you are capable of having.
In the name of Jesus, I loose the Holy Spirit into your life for strength, wisdom, understanding. Thank you Jesus.