Good discussion.
My thoughts. Insurance is a casino. The house always wins.
And of course we have high costs if a third person is paying - if I want to sell Jiggzz a roll of toilet paper and everyone had toilet paper insurance - I would just charge $500/roll. Jiggzz wouldn't give a crap because he is happy that he gets toilet paper for $5 through his insurance, regardless so what does he care what I charge? He buys it. The insurance negotiates and pays me $5 and I get $10 a roll. When someone shows up on my doorstep and starts crapping everywhere, I give them a roll and charge them $500 because that is what I "charge" insurance. They don't pay and I get a tax right off that is huge.
And if Jiggzz starts using too much toilet paper they just drop him from the insurance when they start losing money.
No one should ever be forced to gamble.
And the, it costs x amount and you cannot afford that argument is a farce. That is life. I really want a Lamborghini too and I can't afford it. So I don't buy it. If I have a heart attack and it will cost $1M to keep me marginally functional, I will do what all our grandpappy's did and go home without...wherever that home may be. Life ends. Nothing is free. People need to grow up and see reality.
On another note, has anyone researched this mRNA vaccine stuff? It seems pretty cool but I am concerned people with autoimmunity issues may need to be careful...or maybe even people with familial history of such disorders. But I am not trying to spread fear here, I really do not know...it is some pretty deep and crazy science.