Health insurance in the US is a lie and here is why

When we think about insurance we think about accidents, unforeseen circumstances  we cannot predict and choose to make sure we have a plan for "just in case". For example, I have purchased renters inrurance just in case something happens. Statistically I know that I probably won't use it but have it just in case. The money that I pay for it ends up paying for people who also purchased it "just in case" and that "just in case" happened. This is how basic insurance works. Now generally healthcare works a little different. As a society we have to take care of our weak in order to preserve the herd. We also recognize that the position of "strong" is temporary and we will all be in a situation when we will need to be on the "weak" side of society and use the mechanisms we put in place to take care of  each other. This is how society works: healthy working adults pay taxes and provide govement assitance for children, elderly, sick and poor. We recognize that healthy, young and working at some point in life will be sick and old. It's a fact of life. Most developed societies provide healthcare to their citizens as a right. Why you might ask. Well, we know that literally everyone will get sick. Everyone will need to see a doctor, take medications etc. it's not a question of "if" like with renters insurance it's a question of "when". Just like we know we need public resources like roads, transportation, schools etc we need people to be able to access basic healthcare in order to be productive members of society. It's not a choice like with renters or car insurance (I can choose not to purchase a car and use public transportation but I can't choose to use public healthcare system because we have none). So we place citizens in a situation where they know they have no choice because they need doctors to survive and thus end up at the mercy of insurance and drug companies. So who is really the loser in this country?