Why require people to buy health insurance? -- latimes.com: "...All insurance is based on the idea that most of the time, most people are not filing claims. As it applies to healthcare, supporters say, most people are pretty healthy most of the time, but eventually almost everyone incurs major medical expenses. If only sick people bought insurance, the system would collapse because plans would be forced to pay out more than they took in. And since nearly everyone who develops a serious medical problem gets treated (with or without insurance), the cost of treating the uninsured is passed on to other people. In effect, those with insurance are helping pay the costs of those without it..."
In rural areas for sure, when someone gets seriously ill and he or she is without insurance, bake sales, hot dog suppers and silent auctions and other activities spring up to raise money for the sick person. A similar set of events often occurs when houses burn down and the owners have no insurance. So if I carry fire insurance for thirty years and never have a claim, how exactly am I paying for people who rely on cake walks to buy a used recliner? Not an exact analogy for sure, but people hitting the public dole for health care still owe some medical provider money, so why aren't the providers collecting? They sure hounded the hell out of me for every nickel I owed.
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