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That's because you don't buy a health insurance policy! You buy major medical insurance, which covers unexpected events and hospitalization. That is what insurance is supposed to do....help you out in a tight spot. Visits to a doctor or specialist are paid for out of pocket.
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Your making it out to be the best thing when in reality if you have no insurance you have no way of getting seen unless you pay up front, and that is not cheap. Both systems are going to be good for some and not for others, look at the wait list, the poor service, the over the top administration in the NHS but it costs a paltry sum, there is no comparison with the USA who have up to date equipment, an appointment in a couple of days and everything done for you by 400 secretaries, but you will pay $350 month.