This is not a libertarian argument that everyone should just pay for their own healthcare out of their own pocket and let the “free market” decide. The risks are far too high, and we are terrible at estimating that risk, financial or medical.
We All Want Healthcare To Cost Much Less — But We Are Asking The Wrong Question
Joe Flower

What if I were to tell you that it was possible for a country to provide universal healthcare to its citizens WITHOUT a socialized healthcare system.

That’s actually not a libertarian utopian pipe dream. It’s a real country called Switzerland: