Why do insurance/health care companies need to be "for profit" enterprises?

For a while, I have been thinking that capitalism is failing when it comes to health care and insurance needs. If anyone happens to see this and wishes to explain why it is better for these enterprises to be "for profit" (as opposed to non-profit, which does not mean they could not be profitable)? These are not the types of businesses that, in my mind, should be answering to Wall Street analysts.