Ive actually warmed to the idea of UHC over the last few years. Basically, from my perspective, it just a form of insurance like I have on my car, except for my body. And like car insurance, for the vast majority of the time you pay in, only getting a pay out if something goes sideways.
Aside, I wonder what the numbers are for people who pay in their whole live and then have a massive coronary and are dead before they hit the ground (IE: never actually use any of the funds they paid in for their entire lives).