While I can relate to the general sentiment , the following example doesn't really work in the US context .US has probably one of the most inefficient health outcomes system.
I think it should look like picking health insurance. What plan, at what cost, for which benefits. Then everyone can have what they want.
This also underscores a lot of issues with Libertarianism (IMO) , if you have enough resources to begin with the system works for you ( buy a good insurance policy) but if you don't have enough resources out of the door it would be pretty damn near impossible to break free from the vicious cycle of poverty.