No we need to consider both: aggregate data says "no risk to waiting 8 weeks for an MRI" so no need to fund - individual says "I don't think I should have to put up with the stress of waiting 8 weeks for an MRI". Substitute MRI for almost any non-life threatening treatment like knee surgery. The individual's POV is reasonable.
so... a TimG healthcare system driven by layperson determination of need, layperson assignment of medical resources, layperson assignment of medical facilities, layperson want and layperson ability to pay --- surely a marketplace marvel! Your manufactured schemes and the 'Fraser Institute like aggregate wait time data', somehow never factor actual medically determined and prioritized wait time benchmarks.
since you've chosen to settle in on MRIs here, let the waldo offer you medically determined wait time perspective, ala the medical professionals within the Wait Time Alliance, as below --- perhaps before you make yourself look any more foolish, you might choose to present MRI wait time data delineated to these benchmark guidelines. (protip: emergency cases never show on wait lists... cause they're dealt with immediately, as medically determined):
and lordy, even a cursory review of that Fraser Institute "buried" data shows that just a few provinces are significantly skewing the overall headline blasting, "Canadian National MRI wait time" figure... clearly it is to private healthcare advocate advantage to not emphasize particular province results - that just gets in the way of blasting headlines!
This disconnect can be addressed by allowing individuals to spend their own money. This is not currently allowed and this is a significant problem with the system that undermines public confidence.
again, citation request... vis-a-vis your determined, 'significant problem undermining public confidence'