Oh, I'm dense. I thought it portrayed a scenario in which tokens were unaffordable to individuals, yet necessary for survival. Kinda like US health insurance.

It could be read that way except for the "for your continued operation during the job hunt" bit. That's the line that's supposed to tip you off, I think.

The best satire works at more than one level, I think

Medical care is what you’re talking about. Insurance is just a construct around it.