Actually, you are proclaiming what is often called ‘the law of the jungle’ that ensures the survival of the strong at the expense of the weak.  It is a well-known fact that life-expectancy is much lower for people living in poverty than for the affluent.  How does a baby take ‘responsibility’ for the serious damage to health that results from being born into a poor family? How does a family take ‘responsibility’ for the crushing health debt incurred in a car accident that wasn’t their fault?  

You are quite mistaken!  Pope Francis, and the UN Declaration of Human Rights say health care is a right, and not a privilege that comes with wealth.  When you say it’s not a right, you reduce an essential of life to just another commodity to be bought and sold in the marketplace.  It might be good business, but it is barbaric and most definitely is not Christian.  Not providing health care for all is simply not compatible with an ethic of life - as Jesus makes quite clear in Matthew 25:31-46.