This crazy line of reasoning is the perfect analog to the notion, associated with liberals, that services provided by the government are "free." You are basically thinking that if a service isn't provided by the goverment, you can consider it free. Well, guess what, we are still going to have those trillions needing to be spent on healthcare, and it's got to come from somewhere. If it's impossible to fund collectively, the alternative (funding it out of all of our pockets individually) is impossible too.