[Hoodat]

We need to bring costs down by cutting g out the kidleman, the insurance companies themselves.

I take it that you are not a free market Conservative. The best way to bring down costs is for the government to get the hell out of the way. Consumers who purchase insurance are risk-adverse. But not all consumers are risk-adverse. Denying people the right to purchase insurance is just as bad as forcing people to buy insurance.

[Hoodat]

My apologies. I took your statement out of context.