Go with me here, what if instead of paying into a crowdfunding campaign, these people paid into a central pool of money, and then when they had exceptional health care costs, they could dip into this pool and pay off their bill?
I understand you are being sarcastic, but this is how both single payer systems and private insurance market places work. The only difference is, in one system people are elected to determine how the central pool of money is collected and distributed and in the other decisions are driven by shareholders.
Imagine what kind of revolution that'd make.