Answer: False consciousness
Explanation: False consciousness is the thinking that is developed in the mind of a person for avoiding the actual nature and relation of their social and economical system with them .This process does not let a person think and recognize exploitation and inequality happening with him/her.
The situation mentioned in the question displays the false consciousness of Derek by believing that health-care policies of government are not required and individually everyone should be responsible for it .He is not truly indulged in the social and economic background.