I'm all for a 'big pot' and that if you put money in, you can then get money out.

But at the same time, I think that people should HAVE to put into the pot, or you end up with a Tragedy of the Commons. No-one pays, because they don't like to think they'll get sick.

And then when they do, well, it's too late.

(I should note that I am biased towards socialized medicine, being an aforementioned sick person)