Indeed, if individuals were responsible for their own care costs would decrease dramatically.
Imagine how great it would be not to have to pay for someone else’s sex change, viagra, or prenatal care ( especially if you are a man) For those who can’t pay in one lump sum, payment plans can be worked out.
The cliched old question persists….is health care a basic human right provided for by the government or something you work to afford for yourself?
Free enterprise generally produces lowering prices and increasing availability, which is the opposite of cartelized markets and government social programs. Free enterprise best serves human rights.