Originally Posted by Arkie
Somebody else is coerced.
The only way an insurance model works is if everyone who *might* need it (which in the case of health care, is effectively 100%) pays premiums. And everyone pays for other people's health care one way or the other.
This is, of course, why treating health care as an optional, insurable thing is completely insane. Everyone will need health care; including non-trivial care.
The only way treating health care as an optional, insurable thing makes any sense whatsoever is if we are willing to just let people (including lots and lots of children) suffer and/or die. Are you willing to do that?