“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.
I think the best system for the US are interest bearing HSA’s. You set up a HSA that bears interest, so you help fund the free market and draw an income from it and you can pass it on to somebody if you don’t end up using it all yourself.
Eventually, you’d have yourself fully funded for healthcare without having to rob somebody of their future for your present benefit.
In Singapore, they whack you heavily in taxes until you have your final care paid for, but you are responsible for your personal maintenance healthcare. IMO, that’s better than socialism, because you aren’t robbing others of their future for your present benefit.