Your reasoning is incredibly shortsighted and selfish.
Right now the Amish are able to 'opt out of social security.' Very much this were an option for atheists and those outside of these religious exceptions. I'd agree to sign my death warrant and never be bailed out by society if they agree to let me opt out of the insurance plan.
>bunch of middle men leeching
Hopefully attempt here won't merely substitute administrators and insurance leeches for government bureaucrat leeches. I'm all for tossing out the leeches. Concierge / cash only medical offices are one way to do this, but a well run single payer system could probably achieve it as well.
I also think your idea of being able to opt out is interesting, I think this could be a viable concept but I don't know how it would be implemented. It would seem that there might be two parallel systems if that were to happen.
You indicate other people shouldn't have to pay for their healthcare. How were you proposing it be paid? The main options I think of are the ones I mention, either charity or men with guns to enforce payment (taxes) of this charitable endeavor. Unless you are a doctor and you'll be performing this directly for these people.
Of course, it would be incredibly shortsighted and selfish to use violence to enforce ideals of charity.
>no idea what you're responding to.
Now you know. I'm responding to you.
I know if I had a loan right now I would be biden my time until it got forgiven.