That's the way to go Charles.  You are now digging deeper into the systemic problems.  An Insurance company's greed and profiteering costs include excessive executive salaries, bonuses, and perks, and shareholder demand for dividends. All these stand as "middleman" unneeded costs hobbling our healthcare financial system. A well paid doctor, healthcare assistants, are ok, they keep us well and alive.   And then, on the other hand, should we get rid of the mandate that everyone with a car have car insurance.  Who needs it?  I don't need it, I'll never have an accident! This is the same type of simpleton argument given for not mandating everyone to share in the pool cost of healthcare. Everyone, sooner or later, will need healthcare.  If you are insured, your premium cost, right now, includes the factored cost of ALL those without health insurance or coverage, anytime they go to the ER, or doctor and they can't pay the doctor. Right now, you are paying one way or another for someone else.