That being said, the effects are often the same. And self-interest is an acceptable excuse for people that want to ignore their impact on those around them.
In the US however that seems to be a different matter for a lot of people. This - to me - goes beyond mere self-interest... It's essentially stating that one is fine with other people suffering and dying just because they are too poor to pay the ridiculous health care premiums in the US or find an employer who does that for them.
The only people that are going without proper healthcare are those that make too much money to qualify for Medicaid. But that live beyond their means and can't afford other insurance.
The very poor have it just fine when it comes to healthcare in the us. It's those that make too much for Medicaid but not enough for private insurance that have a problem.
As for little warning, there have been laws requiring ample notice and grace period for a long time now in the US.
Most [0] employers who "offer health care" don't actually pay the premiums for you; they'll usually negotiate a group rate that's better than individual (ACA/ObamaCare) insurance, and perhaps chip in some, but you're still paying the premium yourself. Half of ridiculous still rounds up to ridiculous...
[0] http://fortune.com/2016/03/30/employer-paid-health-insurance...