Right. And what the lefties will say (I've heard this approximately a zillion times :) is that under our current system, poor people mostly have a big incentive to wait until problems become bad, then use the ER for their medical care, because that's free. Lefties will say that this is the most costly way to deal with that poor person's medical problem, and given that we're already covering that poor person one way or another (which I would rephrase: given that we already have socialism to some extent), why not revamp the system so that it covers that poor person in a more efficient way, at a lower cost?
I don't think this argument is incorrect. If it is, I don't know the counter argument.
A response like "we shouldn't move to socialism" seems to miss the point that we're already halfway there. That horse has left the barn.
My preferred response would involve more free market in whatever way feasible. At the very least, this position would allow conservatives to at least look more like they acknowledge there are problems.