“I don’t want to have to hire a lawyer or get a law degree to buy insurance.”
Why not? Are you not capable of it? Do you hire a lawyer to do other things for you?
Government should only do the things that private individuals can’t do, not the things that they can do but don’t “want” to do. Common defense is something individuals can’t do.
The mess we are in is precisely because of thinking like your, everyone picks the thing they don’t want to do and expects the government to do it. Trouble is everyone’s idea of that thing is different, pretty soon we have a nanny state that doing everything for everyone.
There are places where Government works well, this is one of them. Although even this is not immune to corruption if the citizenry elect people of poor character.
Apply your argument to building codes. Nobody wants the city or town telling them what they can and can't do on their property. Yet practically every American community votes to have building codes and enforcement. Why? Because it protects everyone's property values to have communities where all the buildings are build to a certain safety standard.
Every state, all 50 of them, have freely chosen to regulate insurance. There is no federal incentive that I’m aware of with regard to insurance. Yet every state of their own free will chooses to do so.
So it’s your opinion vs the collective wisdom of 50 individual free states.
So I think I’m done discussing whether insurance should be regulated. The only thing left is whether Med-share is insurance. And I’m pretty sure it is. We’ll soon see what the KY judge thinks.