Woah, woah – you're telling me people voluntarily help each other pay their medical expenses without the government forcing them to?!
To get the best deal for everybody, governments in most countries step in to create a system where everybody pays in and the best deal for everybody is made (with the option for extra private care if you can afford it). You get a basic guaranteed level of healthcare in return for your taxes, as part of your participation in society. Corporations are prevented from deciding they need to charge you more than your annual income for the medication keeping you alive, while you're free to change jobs and start businesses when you wish, because you're not trapped in an insurance plan that you'll lost the moment you do something else.
Only in America is this seen as wrong. Everywhere else gets cheaper bills with zero chance of personal bankruptcy just because you got the wrong disease/got ill before/etc.
Pretty versus ugly, young versus old, white versus black, man versus woman, overweight vs average weight, high school dropout versus university graduate, religious versus non-believer, etc., etc., the ability to look past all of these things and donate purely based on need is not something crowds have ever been good at doing.