CTL, while you have a point about the need of insurance, still:
1) DR P is correct about prevention. I think 2 largest medical expenses are end of life (that you wrote about) and chronic diseases – many of the latter are lifestyle-based.
2) you should notice a seeming paradox – a well-off person like you can not afford medical care. Someone is paying for it, right? Is it that the most filthy-rich pay so much taxes that they pay for insurance for all of us, including you? Probably, not (at least according to people claiming that rich are not paying their share). The other option is that your own taxes are paying for it. Say, you earn modest $300K/year (in current year money) for last 40 years. So, you paid income tax $80K*40 = $3.2mln i just federal taxes. This is not counting 3% medicare tax, $400K, FICA 15% = $1.8 mln, + social security + cap gains + CT tax + medical insurance that you were paying … It is way possible that if the government were to give you a modest discount on your generous donations, you would be able to afford your own healthcare. Instead, government made you (somewhat) poor and then comes to help you.