Go bankrupt and die.
Lose your job, go bankrupt and die.
Those aren't choices, stop claiming they are.
Under the rules you're recommending, if you get sick and are not incredibly wealthy, you die. In many cases painfully and slowly.
If you're lucky, you bankrupt your family to pay (or even "co-pay", what a term!) for your treatment. You then can't get any insurance at all ever again, and next time, you die.
When you get sick, think on the thousands of people you have doomed to die. Then die, alone, in pain and having spent everything you have.
A civilised society cares for its sick.
A civilised human being is happy to pay into a central pot to care for all the sick.
A self-interested human being is happy to pay into said central pot because they themselves may get sick.
Only a fool thinks that pot shouldn't exist. Only a psychopath thinks the only pot is for them alone.