no one says you have to work for someone else

Primary accumulation says you have to work for someone else. You never got to be there when all the free land was handed out.

You could argue that even if you own the company you still have to work for someone else to get paid

"Everyone works for someone" is a going line in modern business. But this ignores the folks that are legacies of the fortunes of prior generations. The British Royal Family gets to fuck around however they please. The Vanderbilts and Hiltons and Kennedys and Bushs have no economic obligations, just enormous trust funds fueled by the labors of their peers.

The hunter gatherers would get food, but they don’t make their own Healthcare.

The primitive hunter gatherer worked 3-5 hours a day with the rest reserved for leisure. What this amounted to over time was the explosion of art, language, and culture that formed the foundation of the modern scientific movement.

For millennia, the information primitive people accumulated - understanding of seasonal cycles, crop cultivation strategies, navigational techniques, linguistic techniques, the development of simple tools - was passed down and matured, until we could enjoy a life better than any other species on the planet. That absolutely included health care. Greek and Chinese physicians were doing surgeries 4000 years ago. Egyptians and Persians were mastering anatomy. We've got evidence of dentists dating back to 10,000 BCE.

What we've developed in the modern era is an accumulation of historical knowledge that's accelerated thanks to a boom in population and a period of relative global peace. But we wouldn't have been in the position to capitalize on a population boom / peace dividend if we'd never had the leisure time to make those original scientific discoveries.

Capitalism allows people to work in one aspect, and trade for what else they need.

It does not. It forces one (large) group of people to surrender their surplus gains to another (significantly smaller) set. It prevents people from working for themselves and saps them of resources to trade with one another.

You could easily argue that late stage is exploitive

Every stage is exploitive. The Late Stage of Capitalism just happens to be the one where the folks closest to the imperial core begin to suffer a fraction of what folks on the periphery endured.