Yes, those bills should be paid out by the state such as happens in developed countries like Brazil.

Choose two from: Good/fast/free.

Those "civilized" countries universally have very long wait lists that make health outcomes worse.

But the point of healthcare is to help people not die, regardless of if they can pay or not. We have a problem then, because outcomes don't line up.

If anything, healthcare and insurance have almost completely perpendicular incentives. No wonder then we have the world's most inefficient system.