I like my private medical insurance that I pay for 100% and based on its coverage have zero chance of going bankrupt due to medical costs. You do you and I'll do me...how about that?
You know the hospital doesn't get paid $750 for that IV...that crappy, disastrous private insurance company empire tells them to take $15 in payment for it or they won't be part of their network and the hospital says "OK". I am good paying $15 for an IV that costs $2 when it comes with a trained nurse administering its implementation.
My personal situation (since you discuss yours, it seems relevant) is, that for 32 years, I've had the best private health care available, and have been able to afford it. My premiums in 1985 were 25/mo. They've gone up yearly to where now, in retirement, I'm paying 219/mo, with required co-pays of 25-35/visit. Certainly affordable, compared to most, but still a 9x increase.
I started topping out the fica deduction in 1998. I definitely enjoyed the 7.15% "raise" the end of every year, but I wouldn't have missed it, either. I can't imagine anyone who does top out really needs the money more than those uninsured who can't afford the early intervention visit that would keep them from becoming more seriously ill, or those who don't have catastrophic coverage that would prevent financial ruin
That is kind of messed up that you have to pay for gambling addiction treatments.