You cannot be serious.What if you need kidney dialysis or a heart transplant? What if you get severe burns and are laid up for months? How much would you have to save up for that? Then you also have to save for retirement, plus college for two kids. Sheesh you'd need 2 millon or more. Not everyone is cut out to be a millionaire tycoon wage earner.
There's Oprah, there's your barber, and the guy who paints your house. All work hard. What you are saying is that Oprah lives if she gets old and needs a heart transplant...she can pay for it. But if the postman needs one when he gets old...too bad, he can't afford it...death for him.
Is it a conservative principle that it is your tough luck if you are just an average Joe wage earner and get old and sick and can't pay all your medical bills? My mother-in-law would have died, 15 years earlier by your view.
In an ideal world, people would save for their old age when they are young and healthy. Health insurance would be for catastrophic care so that you are not wiped out by large medical expenses. You would pay for routine care without third party payment. For health care in old age, one would purchase a retirement account to provide some level of health care benefits beginning at some age. Of course, there would be a safety net of health care welfare for those who cannot pay. There would be strong incentives to restrict usage of health care welfare.
Of course, we do not live in an ideal world. Even in this non ideal world, health care is not denied. You will get treated even if you canont pay. The issue is payment, not health care.
I reject the notion that health care is a right. Health care is an economic good and service subject to basic economic laws. Making health care a right will lead to rationing by government regulators. I prefer to increase the role of individual consumers in health care decisions and payment. In most cases, health care welfare should be means tested and time limited.