It's important to have a central, regulated allocation of some resources for a society as large as America-- and for that matter, any society. The point of group living (where any society is group living) is that everyone has a safe place to return to and can count on at least most of the other members of the group to help them out when they need it. The point of universal healthcare is that you pool your money with everyone else so that when you get sick, you get care, and when your neighbor gets sick, he doesn't spread his infectious disease to you, and when someone else in your work place gets sick, you spend less time making up for their missing days.