That's not an alternative, health insurance is mandatory anyway by virtue of us being made of flesh – the alternative is going bankrupt due to having no leverage after getting treatment for anything.
No it isn't. Healthcare isn't infinitely expensive, the world is full of people who can pay cash for healthcare (or take an insurance policy with a very high excess which approximates the same thing).
"Full of people" is an idiom, it means there are lots of them. It doesn't mean all of them. There are lots of cheap medical interventions and lots of people who earn more than $33k a year.
