I think the points are:
1) The cost shouldn't have been so high in the first place
2) Everyone shares everyone's bills as a part of tax.
Extra insurance should not actually be required by anyone, only those who feel they want a extra-high level of service.
As an aside the best (most comprehensive / high tech / generally good) medical treatments I have received were in Menlo Park, CA and in Southern France. Insurance paid for the US incident, the UK/Euro taxpayer for the French incident.
so you are saying that although i could afford the insurance premium, under your system, i wouldn't have pay for it because the you and the rest of hte good people of where ever paid it for me???
i am eligible for this coverage even if i choose not to work my ass off and join the ranks of the un/under employed only-here-for-the-pot hippies??