The extremes are not as you have listed them.
The extremes are you have willing buyer and willing provider or you have government involvement. You cannot have both and have functioning healthcare.
Old folks and chronic or debilitating congenital conditions must be handled outside of government. How that is handled is the only true open healthcare question. I’m confident good people can solve this issue better than government.
True enough, but then there is the ethical question -- if someone hasn't saved enough for their health and gets seriously ill, should government be involved? I believe no, this should be churches who should provide this support