Furthermore, what if, in this hypothetical country, there was no universal healthcare or anything similar? Only social security for those unable to work. Basically full out social darwinism, but you have a right to basic stuff. You pay for the healthcare you think you need, and can afford. What you can afford is based on your job, and therefore your ability.
Oh great, social Darwinism. Works great until you think about it for a few seconds. What would people who, say, have disabilities do?
Social darwinism is a very minor part of it. It would apply only slightly more than it does in the US. As in, those who can work well go up, those who don't, fail. And if you can't, please pay attention to my post, I wrote what happens to disabled people in that very same quote. They get money, and therefore healthcare. I really shouldn't have said "full out social darwinism", but it was 3 AM when I wrote that... yeah, just ignore that part
Basically, the idea behind healthcare in this hypothetical country is that you pay for it using your money. You don't want it, fine. But you're not forced to have it, decreasing your income. The more you can pay, the more you get. It's sort of universal healthcare, but instead of everybody paying it out of taxes (taxes wouldn't even need to exist really, why bother taxing people on the money you give them?), they pay for it out of their own wallet, and they choose the coverage they get by the amount they pay. The idea is that healthcare would be cheap enough that with even the lowest salary, you'd be able to afford it.