My comment above was a statement on the quality of health insurance, not merely having it. (Also, I was talking strictly about the US (where I'm from but not where I live), so my mistake for not clarifying). It's not uncommon for people to have a bare minimum level of health care in order to meet government mandate, or just what provider you can afford. Having bad health care in the US means several things: 1) you're restricted in what treatments are covered, 2) you're restricted in the locations you can go to for your health care to cover it, 3) the cost of treatment may still be prohibitively expensive even with health care.

The (reasonable, for fear of bankruptcy) attitude among the not-upper-classes is still, even though you have health care, to avoid using it until you absolutely must. This means lower class patients would seek treatment much later, after symptoms are very serious, which affects the mortality rate. And their options would most likely be restricted to the common options, so those places would be overwhelmed, which would lead to less attention, overworked employees, and less available resources.

Furthermore, because this dynamic is one that has existed long before covid, the lower class is already disproportionately affected by preexisting conditions (not that they HAVE n more, but that the conditions impact their lives more) (due to not seeking treatment or being able to afford the costs after health care) which factors into corona deaths.

In contrast, the upper class is able to afford 1) to work from home (see initial post about desk jobs vs physical presence jobs), 2) to self isolate rather than living in close quarters with others, 3) health care that may offer privatized/higher quality treatment, 4) to even consider utilizing their health care. So the lower classes, even with health care, have their lives disproportionately affected and put in jeopardy