My point
I understand this thread has gotten a bit convoluted, so to backtrack a bit, you claimed
If the guy was homeless and broke, I would take him to the hospital where my wife works. Like many hospitals, it is a non-profit organization but it has to take in more money than it loses to survive.
And he would get treated at the hospital regardless of whether or not he was covered by anything at all. More than half of all such care is paid for or written off by the hospitals themselves, not reimbursed by Medicaid or anything else.
If the guy were homeless and broke, Medicaid would cover him. So again, what would be your private sector solution to this broke guy in need of life saving health care? I'll answer for you: There isn't one. The guy would die on the street like many poor people did in the "good old days."