“charity”
That worked until about 1910.
“insurance”
By 1930, teachers, who still had jobs, ran up large unpaid bills at Baylor Hospital.
A hospital administrator, a former school administrator, saw the names of teachers on the unpaid bills list.
He created what became the Blue Cross insurance system.
Modern medical care in 2017 costs a lot more than the simple medicine of 1930.
I am not saying ban insurance. I am saying let the market operate. Insurance will be cheaper and people buy what they need. I think it is interesting that many on FR, a Conservative site, cannot imagine doing without the government guiding and prescribing their lives. It doesn’t really matter. There will ever again be a time in which they will have to make any choices and will have to rely on a bureaucrat for their medical services.