That's a meaningless statement. You can find many examples of "working" national healthcare systems (for various definitions of working) and they're all different in how they allocate costs to consumers.
For one example there are some positive aspects to the Japanese system in that they achieve good outcomes (on average) at lower costs. But that's partly due to the "Metabo Law" aka "fat tax" which voters in other countries might see as punitive or discriminatory. I'm not necessarily arguing for any particular approach to lifestyle-related health conditions but any choice involves trade-offs.
Absolutely, but there are lots of working, existing models that are better than ours in practice, so this isn't much of an excuse.