That's what some universal systems already do. I was reading up on Singapore. There is a baseline of insurance for hospital stays, but it's in a ward with 6 other patients in the same room.
If you want something better (and there are tiers), you pay more. You can buy insurance policies that pay for the more comfortable stay.
If you want something better (and there are tiers), you pay more. You can buy insurance policies that pay for the more comfortable stay.