I think the doctors and hospital should treat the patient if they choose, at their own expense, if they wish, or they should bill the person.
The govt. should not be involved in healthcare.
We frequently have people at work come down with long term ilnesses and find out they elected not to pay for long term disability insurance. Their coworkers, family and the community keep these people afloat and help. People give, hold fundraisers, etc.
One thing that makes a huge difference is church membership. Churches are typically very happy to help, both organizationally and individual members.