>>509397554our healthcare system isn't tax-based.
There is a two tier system: Normal health insurance: you are forced to have a health insurance provider, but in turn those can't ever deny you as a client. Those rates are also based on your income.
Otherwise you can opt out of this system and join a completely for-profit-style health insurance company, which CAN deny you. There are specialist who only take those "private patients", as they are called here. Those private insurance rates are way higher on average obivously.
In both circumstances you can just decide to get the bill yourself and pay yourself, it's just very unusual to do that and you would have to ask for it, but it is possible almost everywhere. I don't know anyone who ever did that, but it's possible: For example if you want said full-body scan but your doctor or your insurance company doesn't see a reason for it.
In your scenario Jim Norton is only in an advantageous position if he doesn't have any health insurance at all, which isn't an option here, but otherwise there is no real difference.