[Wuli]

It’s an interesting idea that provokes an interesting question: would the cost of payments for a loan for a major operation be less, in the end, than the current insurance premiums meant to pay for such things. If so, everyone paying for insurance now as a remedy: put into savings what you can now afford to pay for health insurance, and keep it in savings until some health issue arises. In the end it will still come in handy as you age and your health fails for natural reasons.

[who_would_fardels_bear]

I would not disallow, and would most likely encourage, health savings accounts and health pools, i.e. groups that pool money together to pay directly for health costs.

Also, if there are charitable organizations willing to help people pay their medical expenses or pay off their loans, then that's fine as well. Just so long as medical costs are paid for directly and non-governmental loans, cost-sharing, etc. is kept between the patient and his benefactors.