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You can choose not to drive if you don't want to pay for car insurance. You can't choose not to breathe or live.
I had a discussion with my wife a few years ago. We pay a bloody fortune for health insurance, probably 4 times what it would cost us to just pay for the doctors when we need them. But she refused to let me cancel the insurance and take the risk. Fact is, though, that if everyone refused to buy health insurance the cost of all medical stuff would go down. People behave differntly when they pay for something themselves than when they perceive someone else is paying for it. So - I would PROHIBIT third party payments for health care other than true insurance, for catastrophic events. Everything else, pay from your pocket, cut out the insurance companies and watch the prices come down. Yes, there would need to be some adjustments for certain chronic conditions but overall, this would be the single biggest step we could take to bring down the cost of health care.
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