Healthcare is only available due to our advanced nature as a society. It shouldn't be considered a human right, it takes resources, education, and effort to achieve. It isn't necessary, though as an advanced civilization we should make an effort to keep everyone as healthy as possible; it benefits our society directly.
Safety, Freedom from harm, Freedom of expression, The right to pursue an education, all great human rights.
Insurance, or companies who hedge bets against you - collecting, and then fighting to pay out -- that should be HEAVILY regulated like the gambling industry. Sure, the odds are stacked against you - but Insurance companies should be REQUIRED BY LAW to follow doctors recommendations, whichever doctor you choose.