Heh. I have no health insurance and pay everything out of pocket, just like with car repairs, plumbing and electric on my house, etc.
The government rarely gets involved because I do it all myself - or the Lord does it as an answer to prayer.
Our culture has become addicted to health insurance. In a Godless society, this life is all you have, so you value its preservation and “physical” quality more, and will pay any price to keep it as long as possible.
I’ve left that culture. And saved at least $50,000 in after tax dollars because of it. That’s a lot in a part of the country where you are making good money at $16 an hour. :)
The problem is that under your model if (God forbid) you go out and get hit by a bus or something, get hospitalized and don’t have insurance, the legal vultures will strip you of your home, your property, and pretty much anything you’ve ever worked for in order to pay the bill. Many of us don’t see doctors hardly at all, but carry medical precisely so that we don’t lose our homes as the result of an accident.