" the “free individual” will need to be bailed out by society or not pay their bills and have society absorb the cost."  Wrong !
With out government intervention, hospitals will not be forced to see every one that comes into their emergency rooms IF they do not want to.
Hospitals would have the choice how they are set up, & just who they want to serve.
The hospital may want to purchase insurance against deadbeats, & those that just die with out paying their bill.
 but the public at large would, & should be held harmless.
I have both auto, & medical insurance, so there !  Lol