Why do people continue to believe that one person should live and another should die from common, treatable conditions based on the size of their banking account?
There's a huge difference between "Should someone help?" and "Should the state help?"
Due to their massive bargaining power, the state is the only entity
capable of helping in any real manner. For healthcare, as with a select group of other needs (such as national defense, infrastructure, and protection of natural resources), your question is irrelevant because it is a distinction without a difference.