ScottKuma's example is a good one for the differences between auto and home insurance and health insurance. How do to plan for something like that?
If it was a car or a home you would write it off and get a new one. With a child, this is just a little impractical.
By the way, I don't have a problem with demanding public service in exchange for Universal Healthcare. I actaully think it would be a very good thing to mandate one or two years of service for everyone once they turn 18. This could be military service but it could also be community service or foreign service (like a peace corps type of thing).
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