If you accept that cancer is a death sentence, it’s not absurd to “self fund” your insurance with a nest egg.
You can shop around quite a bit for non urgent care, and get good cash discount.
How much of a nest egg do you think would let you afford a major operation like heart surgery or cancer care?
What are you smoking? My parents are in their 80s, both 15+ and 20+ years cancer free. At least in my mom's case (colon), not having surgery + chemo probably WOULD have been a death sentence. In Canada, their total out-of-pocket costs (other than transportation to/from the hospital) was like $15 for some painkillers.
If you accept cancer as a death sentence, you're an idiot. I had cancer at age 41. If I left it untreated, sure I'd be dead, probably by age 43. But I'm not an idiot, I had good health insurance, I was treated, and now that health event is over twenty years in the past.
Had I self-funded with a (non-existent) nest egg, I would still be in debt over $600k. Instead, my insurance had to deal with that...