What are you guys talking about?
Healthcare in Star Wars (or any other RPG) only works one way (or you are doing it wrong per RAW):
So-called “heroes” (aka murderhobos/rebels/terrorists/mass-murders/characters played by you or your friends) are covered under the self-pay plan. If they have no stimpacks, they get no healing. Simple, easy, better keep those credits.
Everyone else is under the GM fiat plan. A true utopian system that is absolutely magical. Were you thrown from a Deathstar? No worries. Were your arms and legs severed while you burned? We’ll get you fixed, from a certain point of view. Were you sliced in half? Here are some robo-spider legs. No stimpacks, no credits, it just happens. It’s more magical than space wizards!
Sure, it is a little discriminatory and the only way to switch plans is with a complete loss of player agency, but no system is perfect.