Start by asking what causes people like the hypothetical patient to be in the plight they’re in. In other words, lead with stage three. Why didn’t the patient buy insurance? Because the price was too high. Why is it so high? Talk about the specific ways in which corporatist policies drive up medical costs (and disempower the poor in other ways too). Then, if you still have time, proceed to stage two. If someone doesn’t have insurance and needs care, what’s the most efficient way to get it to them? Talk about how charity and mutual aid are more efficient than government welfare, and how we therefore need to shift the venue of assistance from the latter to the former.