For those who have private healthcare, you’re correct. You have a socialist-like healthcare if you have one with the similar paying as you go, for life, in the event that you need it. However, if you don’t have a healthcare system, you pay when you need it.
However, I have paid over $200,000 for a healthcare system that I don’t use. The money is spent, so I get no benefits whatsoever should I ever need it unless I agree with the liberal that I should rob somebody of their future for my present benefit.
That is the essence of every “socialized” system. We both live in it (well, not me, now, as I have private insurance in Spain, but I certainly paid in as much as you have for US Medicare, which I dont use).
The US is 90%+ “socialized” as far as medical payments go, through taxation and employer mandates (France and Germany also have employer mandates), just very, very inefficiently.
The really big difference however, between the US and Europe is that medical care delivery is vastly more expensive in the US, and that has nothing to do with how it is paid for. Everything medical is absurdly expensive in the US.
In the US people have been savagely chewing on each other, for decades, over the wrong things.
“I have paid over $200,000 for a healthcare system that I don’t use.”
Another possibility would be to say buy off of a hospital network $5000 of Medicare scope coverage for say $6,000 annually.
It would be like pre-paid funeral home coverage.
Employers might buy say $1 million worth of Medicare scope in-patient care off a hospital system for say $1.2 million.
Employees might be responsible for the Medicare deductible, co-insurance amounts.
When the balance falls below $200,000 HR might get a phone call to top-up the account.