In the realm of ethics, no characteristic is more widely condemned than selfishness. Practically no one challenges the premise, which we're all taught from childhood, that acting for one's own benefit is morally tainted, while sacrificing for the benefit of others is the essence of moral virtue. It is considered self-evident that selfishness is evil.
Even with Medicare and Medicaid, tens of millions of Americans lack access to adequate medical care. Many millions have been plunged into bankruptcy because of medical expenses. Obamacare was established to deal with these stark facts. The case of Luis Lang demonstrates that Obamacare is only a step in the right direction.
I don't think selfishness comes naturally. I believe it develops over time through socialization and, in all honesty, it doesn't make you a good person just because you donate to a charity (looking at you stuck up rich people). Similarly, it doesn't make you a bad person just because you passed up a volunteer opportunity (more of a note for myself).