insurance is for property. your health isn't property.
Why is that distinction relevant? Some people take care of their cars / health - others don't. Some people drive responsibly / make healthy choices - others don't.
Let's just cut to the chase here. I know you're not stupid enough to believe that healthcare should be "free" - somebody's got to pay for it - you just don't like the idea of health insurance. Why?
There's nothing wrong with people purchasing insurance to protect themselves against calamitous health problems, just like any other unexpected occurrence (fire, flood, etc.). In fact, that's how insurance is
supposed to work - you don't use it to pay for routine maintenance.
Your problem isn't with insurance
per se, but that you don't think it's "fair" that some people have access to better healthcare than others because they can pay for it. It's a "human right" and all that bullshit. Your "solution" is a socialized healthcare system, where everyone is entitled to the same care, regardless of ability to pay for it. The only way this works, however, is for the government to (1) ration care, and (2) engage in a massive transfer of wealth from those who earn decent incomes and/or make good health decisions, to those who are poorer and/or did not make good health decisions (and yes, those truly unfortunate few who were born into poor health, etc.).
But as someone who works hard, both to earn a decent income and stay healthy, I say eff your socialism, and keep your grubby mits out of my pockets. If you want more/better healthcare, pay for it.