To give you some context: every country is different here but usually we have an almost free healthcare system covering everything for everybody (but sometimes you have to wait for a long time) and private healthcare that is more expensive, usually faster but not necessarily better.
Here in the UK my wife and I have between us spent a fair bit on private medical care over the last year - in the case of my wife for cataract operation on both eyes and in my case dental implants and related procedures.
What I find amusing about private health care in the UK is that in each case I have ever used it they make it clear that if something goes seriously wrong they will take you to an NHS hospital.
Privatize the winnings, socialize the losses, the "free market" working as intended.
The part where we don't have the free healthcare system is mostly due to politicians being afraid of socialism or being afraid of raising taxes or both and a very strong medical lobby that doesn't want the salaries of doctors (very high over here) to drop.
The comment you're responding to was alluding to if people could choose to not pay for health insurance until after they got injured or sick and then needed the benefits.