It sounds like you have issues with people telling you what to do. Would you like a pamphlet on the virtues of Anarchy as a way of building community to survive in a terrifying world?

Because none of the things you said have ANYTHING to do with "universal healthcare" and everything to do with "bad actors worming their way into positions of authority to enrich themselves". Surly you can't believe that "let every induvial person figure it out themselves in an unbalanced capitalist system" is a better answer, right? This isn't just about "if too many people are in the system then MY healthcare quality goes down", right?