well then why don’t you make it illegal to sell any kind of insurance including car, home or life plus dozens of others...
Although a conservative case can be made against insurance in general (e.g. everyone should cover their own assets) the various kinds of insurance have evolved very differently and should be considered individually. Some insurance such as home insurance is only required if you don't own your home: it is really to protect the lender. Some insurance is totally voluntary like life insurance.
The reason why I believe this proposed plan will work with health insurance is that government is inextricably linked into the health care industry. Because hospitals must by law treat patients that come into emergency rooms, and so must get some kind of government funding to handle these excess costs, there must be some way of getting taxpayer money to the health care providers to handle these costs.
We as taxpayers have either actively or tacitly agreed to paying for the costs of uninsured or underinsured people. We pay higher insurance premiums than we would otherwise, and huge chunks of our tax dollars go to funding Medicare, Medicaid, etc.
My proposal is to merely simplify the stream of money from taxpayer to doctor. Everyone who can pays up front. Those who can't get loans in the private sector. Those who can't get loans from traditional banks, etc. get them from banks who provide loans backed by the U.S. government. Just like school loans. Most of those loans are paid off with interest, but some of them aren't. The difference is the tax burden to the taxpayer.
Unless we are willing to just let people die in the streets, I believe the proposed plan is the simplest one with the smallest government footprint.
Can you propose a plan that has an even smaller government footprint? I would definitely support such a plan.