What I see here is the following:
The OP points to two very valid issues IMO so briefly, I agree that the "fairness issue" needs to be addressed. It is in part responsible for the poor state of health of the the nation. And it is true in my experience anyway, that we pay more for less. Accessible preventive medicine, like regular periodic health checks and physicals would go a long way in improving the over-all health of the nation. There are a lot of reasons why we don't avail ourselves to these measures mostly economic but there are some flaws on the medical end as well.
Rick also makes a point that is valid in that here, we have the government showing itself, to a degree, as an agent of corporatism. Corporatism in itself is not a bad thing but when we have run-away corporatism then we have a problem. This demand that everyone buy insurance from the corporate sector or face punishment in the form of a fine. People will not buy this idea and most find it repugnant if not down right insulting. But something must be done to treat the problem that the OP points out, when a person of sufficient means takes advantage of the system and the rest of the population wind up footing part or all of the bill. I don't fully agree that we should not help out a person in need but on the other hand, like anyone else, I do not want to pay health care for a person who is fully capable of paying for it him or herself. A [single person making 60 thousand a year (that is the OP's figure, mine would be lower) who refuses to buy health insurance is simply, overly selfish and abusing his fellow citizens.
As to other nations approach to universal health care I can say that I have lived under three different systems. Ours, which is far from "universal health care", the Japanese system and later on the Spanish system. The latter two were similar but not the same. However in recent years those two systems have limited the amout of government health care because it has become a stain on their economies. The care was good but in today's world those two systems are really beginning to fall apart and the insurance industry has stepped in to pick up the slack...for a price naturally.
