I have the same philosophy, sadly I have lost absolute all trust in the medical industry.
I refuse to be part of any insurance package as I have seen first hand the ineptness of it, you always get the short end of the stick. If I have something major wrong like cancer or such well then I will get my affairs in order and so be it.
In some other country they make healthcare work, in the US of A it doesn’t and it would be many times worse if Obamacare takes over.
America does have excellent hospitals, if you are wealthy. Its just too darn expensive for the average citizen, good hospital care is designed for the more wealthy, some are more equal than others I will say.
Obamacare is touted to bring healthcare to the lower classes but the cost is even worse, they will decide just how much you are allowed to keep of your wages.