Healthcare is a right to me.
Life liberty and all that.
So if these hypothetical charities don't help you are ok with children dying in reality and your hypothetical plan?
Why is healthcare a right? What other commodity is a right and what other right is a commodity? You need food and housing to live right? Are those rights as well? Why not have the government pay for food and housing too? If you think this will work, please research what happens when countries do this.
I say that healthcare is not a right because it is a commodity and commodities are not rights, they are goods/services that are bought and sold. The right to life means that you can't take someone else's life - it belongs to them. It doesn't mean that you have the right to live at other people's expense. Where do you draw the line if healthcare is a right - life extending care that will help cancer patients live for a few more months can cost hundreds of thousands of dollars, is this still a right? It won't work unless you ration the care and then, where do you draw the line with when healthcare is not a right?
Our current health "insurance" is not really insurance, it is pre-paid healthcare. This leads to increased consumption because the person consuming the commodity is not paying for it directly and this causes prices to increase. This system has helped to increased the cost of healthcare that we have currently.
True insurance is purchased to shift risk like car insurance and you only use it when the expense is big enough. This means that office visits would likely not be covered and this would result in fewer office visits until the price hit a point that people could afford. This would happen across the board until the price of the supply met the demand.
Medical care is a service provided by a third party. When you say it is a right, you indicate that some people are mandated to fund other people's care. Giving to charity is a choice, you are not compelled to do it. If you force someone to do something they don't want to do, you are decreasing their freedom.
I don't think that you understand the healthcare system. I work for a hospital and understand much of it. The hospital I work at currently (under the ACA) provides free care to poor people, not just life saving care, but also for conditions that are not life threatening. They also did this prior to the ACA. You are fooling yourself if you don't think charitable organizations help people every day - many hospitals among them. In addition, prior to the ACA, the ER at the hospital had to treat people for life threatening conditions even if they could not pay.
"Being forced to pay for your wellbeing" Really? The roads you drive on, the education the children get, the water you drink, the air you breathe, the electricity you use are paid for by society through taxes or some other funding scheme one way or another.
Somebody has to make sure people don't drink gasoline, somebody has to make sure most people don't die from smog, somebody has to pay those roads, somebody has to make sure people don't die because they couldn't get medicine. That is society in a nutshell. If you really despite the living daylights out of it, why are you here? Why don't you just live off the grid like a Captain Fantastic?
The air I breathe is not paid for by taxes and I buy my electricity from the power company. Nobody makes sure that adults don't drink gasoline, but parents do this with kids occasionally I guess. People will typically die quicker without food than medicine and it is an adults responsibility to pay for their own food. The same is true for medicine. Eschewing personal responsibility is a big part of the problem we have in our society. Rely on yourself, not the government. Bad personal choices can also affect how much healthcare someone will need. Why should I have to pay for someone's care who has lung cancer from smoking for years? That was his/her choice and he/she should have to pay for it.
You are correct that education and roads are part of society that is paid for by taxes. Should people in living in Ohio pay to fund the schools and roads of the people in Hawaii?
I look forward to your thoughtful answers to my questions.