"Inexpensive plans" are what are commonly called "junk insurance."
...by people who want everything they could ever possibly need covered. What if you want to pay all the small shit out of pocket because you very seldom ever go see a doctor, but want to be covered for catastrophic care in case you get hit by a truck while crossing the street?
"Inexpensive insurance" does not always mean "junk insurance". Sometimes it means "only buying as much insurance as you think you need."
"Make everyone buy..." is another way of saying "risk pooling."
One could just as easily say, "risk pooling" is a euphemism for making everyone buy coverage they will never use to subsidize the people who will, and making low-risk subscribers subsidize high-risk ones. And yet, this industry wants to be able to deny coverage to people who do things like ride motorcycles, fly ultralights, climb mountains, or jump out of perfectly good airplanes with a parachute. At which point people who do any of these things ask questions like, "How come THEIR risks get pooled, but MINE get excluded? How come I have to subsidize my neighbor for the health consequences of his four-pack-a-day habit and his eating dinner at MacDonalds every night, but I get to pay all my costs out of pocket if he runs me into a divider on my motorcycle?"
The rest of the world has already had this debate and government systems work better, much better, than private one everywhere else in the world.
There's a lot of people who have to actually use those government systems who would disagree with you.
no subject
"Inexpensive insurance" does not always mean "junk insurance". Sometimes it means "only buying as much insurance as you think you need."
One could just as easily say, "risk pooling" is a euphemism for making everyone buy coverage they will never use to subsidize the people who will, and making low-risk subscribers subsidize high-risk ones. And yet, this industry wants to be able to deny coverage to people who do things like ride motorcycles, fly ultralights, climb mountains, or jump out of perfectly good airplanes with a parachute. At which point people who do any of these things ask questions like, "How come THEIR risks get pooled, but MINE get excluded? How come I have to subsidize my neighbor for the health consequences of his four-pack-a-day habit and his eating dinner at MacDonalds every night, but I get to pay all my costs out of pocket if he runs me into a divider on my motorcycle?"
There's a lot of people who have to actually use those government systems who would disagree with you.