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Your proposal is downright naive.
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Nope, you ignore the fact that, again, your putting *more* money into the insurance system then you ever get out of it, thats how it works , its a for-profit business, an unnessccary middle-man.
Theres no denying that fact, the current rising cost of medical care is due to the bloating of insurance and legalities, if in some alternate universe it was done away with or never existed, its not hard to believe costs would be alot more reasonible then now, highlighted by as I said the fact that most doctors/hospitals will take large cuts off your bill if you'll pay it in cash.
Theres a single period in someone's life between the age of 17-22 that insurance is beneiftical, and thats only assuming they need a major surgery thats coveres during that period.
Theres also the minority that DO get more out of the system then they ever put in, if your cronically plagued by illness and prone to accidents then by all means go for it, though chances are your rates will (eventually) get matched to your clumsiness.
If your telling me by age 25 or so that everyone does not have the means to have saved or even the ability to simply finance $20,000 then those people are just plain wasteful.
You don't have to be incredibly lucky to be in good health if you know how to take care of yourself(its no surprise that virtually all my family and close friends are equally healthy because we all share similar habits , and we all follow similar fiscal responsability).
Again for last time, the vast majority of people put in more money then they get out of it, so how can you argue its needed?.
I don't hold any dillusions that this sytem will be going away anytime soon, but it *is* the major cause of our troubles, which is what you were addressing.