I don’t think your car insurance argument translates over to healthcare, myself. For instance, there are many states where one can have a surety bond of a certain amount (say $25K) in lieu of insurance. In my state, this has been true since I started driving 45 years ago
Regardless, I don’t see how the inflow/outflow result flows to the assumption (at least from what I see in your post) that the healthcare industry and healthcare insurance industry are the initiators of what we have now.
IOW, you have not convinced me
Obama for political reasons could never admit that if it were true but he did use Romneycare as an example of where he was taking things and Romney spoke of the cash flow issue by referring to “freeloaders” in his discussion of the need for a mandate to buy health insurance.
The GOP leaders with their support for a mandatory marketplace across state lines to buy insurance and the industry themselves with their dismay at Obama’s relaxing of the mandate to buy coverage tell us what its really all about.
Its all about putting more money in the pockets of the health insurance industry.
In its mechanics of mandating everyone to buy insurance, cancelling existing lower cost insurance and replacing it with higher priced insurance, Obamacare is designed to put more money into the health insurance industry.
There is a Strong case to be made that Americans have the obligation to be able to pay with or without insurance for the mandates put on hospitals for THEIR OWN emergency hospital treatment, back under Reagan.
So that would be like mandated liability on auto-insurance.
Now that is not Obamacare
Sure Obamacare has a *personal* mandate, but the mandate is for all sorts of *prevention* but the policies can have very high deductibles leaving the hospitals screwed again.
And that mandate is a joke because the IRS is not allowed to collect it.