I'm pretty sure that Queen Emma, wife of Lot Alexander, footed the bill for Queen's Hospital for Hawaiians.  But that's not so material here concerning the thought that a royal donation might effectively sidestep the economic structure of the insurance industry.  Queen's was a great idea at the time as there was no pool of health insurance speculators risking on disease care for native Hawaiians.  Insurance pooling is merely a legalized gambling device - betting one's equity in insuring disease care for a profit.  Without middlemen, the risk pool is small excluding the less fortunate, who then must have that oldtime Queen's Hospital or nothing.  Today's option is to ignore the sick who are going to die anyway, and allocate all the money to children mentored away from the junk food and addictive lifestyles of their parents.  To leave the sick alone and look to the healthy youth.  The earlier the elderly and sick die, the more resources and money left for the youth of the future.