I think the phrase "governmental death panels" is a rather loaded politically partisan phrase. Any system of insuring folks includes people who decide what treatments will be approved and what won't. And in the realm of universal health care systems where decisions like that must be made (as they're made an any insurance company) Something like the UK's quality-adjusted life year (QALY) is, if imperfect, not a wholly unreasonable concept that doesn't include black box AI.