That’s not true. Almost all Americans are covered by some sort of medical insurance (Medicare, mandated employer plans, etc). Somebody pays constantly through taxation or premiums.
Most countries with “socialized” medicine really aren’t that much different from the US as far as payment goes, such as France and Germany. Medical services are largely private there also.
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.