When you buy health insurance you cannot expect them to spend every penny THEY have to keep you alive. But the argument here is getting distorted- it is not how much YOU are willing to spend, it is how much of EVERYONE ELSES money you are willing to spend.
If there is a $one Trillion treatement that will keep you alive for another month is it worth it? - ok how about that next-door neighbor who always lets his dog crap on your lawn? Is it worth keeping him alive another month? OK then no one else will have any money to keep alive heart trasplant patients...
So WE ALL see the need for a cut-off point, or RATIONING.
The question is NOT that
The Question is do we let OUR DOCTORS and OUR HEALTH INSURANCE and OURSELVES decide, or do we let government bureaucrats decide (like that next-door neighbor who always lets his dog crap on your lawn- he works for the department of health, doesn't he?)
No. But at least you have a contract and know what to expect for the money you pay. Unlike the Animal Farm scenario.