So you want to do away with the insurance altogether and have them become wards of the state when they exhaust their resources. You do realize that indigent care has been a civil responsibility since the 1500’s. Research the poor laws sometime.
Judges in the 13 colonies spent much of their time forcing cities and towns to care for their share of the indigents.
Don’t get me wrong. I’m not against reform that reduces costs while providing care. But I’m not for shirking responsibility either and just cutting people off from care.
No, I’d simply not have carte Blanche insurance in healthcare. Would cover up to a certain dollar threshold each year. When I get car, house or life insurance, it has a defined maximum benefit. Healthcare today is the only one that doesn’t work that way.