Someone will always have to pay for it, because we don't generally just let people die. And even if we do, someone still have to scrape their rotting corpses off the street, no?

Radical individuality is an illusion. Yes, it would be nice if everyone could be solely responsible for paying for their healthcare or retirement. But is it possible? If you can't answer if it's possible or not before you do something, you probably shouldn't be doing it.