The first is that you talk about "paying" for healthcare in the US, as if any normal person care just cough up $200,000 when they have a car accident.
The second is
nobody should be prevented (as is done in Canada) from buying healthcare out of pocket.
Which is just bullshit. There is plenty of private healthcare in Canada, if you're one of those people who can shell out $200,000 out of this month's salary, you are welcome to give it to a private hospital.