This is only true for a fraction of all healthcare that’s actually consumed. For my family, over past 4 years, maybe 10% of our healthcare consumption carried a significant risk of death if we elected to not consume it.

As an explicit example, my wife took our infant daughter to a doctor the other day, because she was coughing and sneezing for a week already, and she wanted him to confirm that it’s most likely nothing to worry about. The doctor agreed. Insurance was billed $200, with $10 paid by us out of pocket. If we had to pay $200 out of pocket, we’d probably wait another week (and ended up not paying anything at all, because the coughing indeed disappeared before the end of the second week).