[Pharmboy]

Until I had coverage through an employer I didn't buy health insurance - there was no way I was throwing away good money to subsidize homosexuals and pill-poppers.

A bit extreme, eh?

For young healthy people, the ideal health insurance is referred to as "catastrophic insurance." You pay for your own doctor's visits and the occasional prescription as needed, but your insurance kicks in if you need to be hospitalized. This is reasonably priced (unless your hobby is sky diving or motorcycle racing).

[thoughtomator]

For young healthy people the ideal health insurance is known as "having a doctor in the family". Even the catastrophic health insurance is a scam... $100+/mo. for a 1/100000 eventuality? Even there, you're paying to subsidize people who drive dangerously, can't control their emotions, or drink too much. Young, healthy people who don't take stupid risks are better off putting the money away for things that are likely.

[Aquinasfan]

For young healthy people, the ideal health insurance is referred to as "catastrophic insurance." You pay for your own doctor's visits and the occasional prescription as needed, but your insurance kicks in if you need to be hospitalized. This is reasonably priced (unless your hobby is sky diving or motorcycle racing).

Actually, this is how insurance is supposed to work. After all, auto insurance doesn't cover oil changes.

If they're going to go the mandatory insurance route, the minimum coverage plan should be catastrophic care combined with a medical savings account.

[steve-b]

For young healthy people, the ideal health insurance is referred to as "catastrophic insurance." You pay for your own doctor's visits and the occasional prescription as needed, but your insurance kicks in if you need to be hospitalized. This is reasonably priced (unless your hobby is sky diving or motorcycle racing).

Indeed. All that needs to be done, really, is to end the scam in which the government steals (whatever the official term for it is) any leftover funds in flexible savings accounts at the end of each year unless they're tied to specific no-stealing plans.