Vaccines and masks don't prevent all the other health ailments that might require medical attention (and someone can still get a breakthrough case, even though it is less likely, and in that case less likely to need intervention).

We all pay the price when treatment is delayed or denied because the hospital is overflowing with COVID patients. Or because all our medical staff have quit because society feels they should bear unlimited amounts of trauma.

It doesn’t matter, the costs are socially distributed even if just through insurance premiums.