Hi Jan,
I think you and me are coming at this issue from different perspectives.
Re the NHS and how it's run - no, it's not any UK government's fault. The fault lies with the NHS bigwigs and their often poor financial decisions. So, yeah, the NHS should be run more efficiently, with a special emphasis on sensible spending.
Re the US healthcare system as it currently is, yes, it's bad that someone's house can be repossessed because of hospital bills.
And we already know that large swathes of the US electorate don't want to pay for others' health care bills.
So, what's the solution?
Well, I originally said let each state decide. This would still inconvenience some people - image being dirt-poor and stuck in a conservative state such as Texas. You can't afford much in the way of healthcare and you can't afford to up sticks to somewhere like Cali or New York. So, how about rich people start a healthcare charity that could meet the bills of America's poorest? America's super-rich like nothing more than saying they care for poor people. This would be a great chance for them to show that. Other people - middle-income earners and basic income earners - who also care about the poor could also put money in the pot.
And, obviously, those who don't want to pay for others' healthcare don't have to.
^^^ This could work, couldn't it?