That doesn't work. Health care is inherently expensive. If you get a serious condition and need years of treatment, then it has to be paid for. But most people don't. This is why the insurance model exists -- the majority of people who aren't (yet) sick pay for the care of those who are.

You can't wave a magic wand and make major surgery or chemotherapy affordable. All real world solutions here are collective, they differ only in whether access is fair and what entity (public or private) does the collection and distribution.