You mean there are people who never get sick and then suddenly die? There are also cars and houses that are never set on fire but people tend to get insurances for them.
No, why? It's not like other people become sick more often just because you are healthy. If people don't go to the doctor the taxes/fees can be lowered. Especially if the system is operated properly whereas a private insurance will just pay out the excess money to shareholders or pay bonuses to managers.
Not all doctors are greedy and most single payer systems have a limit on how much 5 minutes at a doctor or certain medications can cost.
I'm not sure whether we handle the doctor thing well here as there seem to be some problems but with medications there are tests and if a cheaper medication yields the same results as a more expensive one then the more expensive one will not have to be covered by basic insurances. It's not that every universal health care system is flawless but they're all better than what the US has now.
To say it's better to do nothing if the result of doing something is "only better but not perfect" is quite weird IMO.
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