This I agree with. I'm intrigued by a "stop loss" insurance model, where insurance kicks in only when combined medical bills exceed a certain dollar amount. This would encourage consumers to pay cash for services and doctors to price their services to factor in the savings that result from not having to process claims through insurers.
One used to be able to get reasonably priced "high deductible" insurance plans. No more, however.
Self-insuring most routine/preventative care, but insurance kicks in for "catastrophic" needs.
However such an option would require a society with citizens responsible enough, to save and prepare for ongoing medical needs.
Government provided or mandated/subsidized health care discourages responsible planning, utilization of care.
The same concepts apply to food, shelter, education,, etc.
That which comes too easily, is taken for granted, abused, etc.