Part of me actually thinks that with crowdfunding and looking at major problems it may not be such a terrible financial risk to take, although for necessary care for chronic illnesses it certainly wouldn't be.
I'm actually less conflicted over a purely free market healthcare system than most people. I don't think it's the right thing, but I respect that we could choose as a country to decide there are no implicit rights to healthcare or quality in healthcare. Problem is those who say they agree with this are just attached to a system which carries a fantasy of that system. Since we have EMTALA, a whole host of regulations, malpractice, etc., we regularly defeat any of the pressures which might create incentive for quality and cost efficient care from market pressure. And as a result still keep healthcare practically inaccessible to those without means. Socialized medicine of some ilk is a no-brainer for 99% of consumers. The transition to it, however, is a hell of a lot trickier.