I don’t see any fundamental difference in this context. A group of individuals pay into a communal fund and access it when in need.
Some take more than others, but everyone has a safety net to access.
You could argue about premiums and co-pays but the model is the same. The only difference is whether it is taken out of taxes or paid directly.
I apologise if we are approaching this from different viewpoints and I am not understanding properly.
https://youtu.be/FiDY2nXVLZ0?si=LYjbmf5sgeUlIFNM