[LizardQueen]

If only sick people buy insurance, in order for the insurance company to just break even, they have to charge as much in premium, as the actual cost, because they pay out huges sums for each person insured.

This is another thing forcing the cost up. Other than people covered through an employer, most of the others who pay for insurance do so because they really need it. So the risk isn't spread out across healthy and non-healthy populations like it would be if everyone had it.

LQ