The notion that there are only two options for healthcare… 1) Central single payer systems vs 2) The current U.S. system or worse…is a false dilemma with false choices.
Efficient economies (socially sustainable marketplaces) utilize multiple financial tools depending on hierarchy of need or desired outcome. And successful self-regulating systems keep as many incentives aligned at the level of the individual end-user as possible; and ensure individual liberty as a first principle.
The desirable balance minimizes tragedy of the commons, maximizes individual responsibility, minimizes bureaucracy & waste, shames/ discourages rent-seeking behavior & cronyism, aligns reward with effort & risk, and always strives to preserve the sovereignty, liberty & choice of the individual as a preeminent principle.
Centralized tax-funded systems often crowd out these other needed tools within the marketplace and are biased heavily towards collective budgetary priorities, as opposed to individual needs/variations.