John Kawamoto:  Yes the author is talking about insurance.  The question is who should pay for the insurance.  The author (and Pat Blair and other far-left socialists with whom I have tangled here) say I and all taxpayers should pay for their insurance.  And then of course if the insurance runs out or isn't enough to cover the costs then I and other taxpayers should pay directly to provide welfare for them.  They want to hang onto their bank accounts and inheritance by making me and all taxpayers pay their expenses.

I say that's immoral.  People should pay for their own insurance.  And if they fail to get insurance or it's not enough to cover coats, then they and their families should spend every last cent they have, or ask their families or neighbors or churches for help.  But they should not hold a gun to my head (the tax system) and force me to pay for their expenses.

John you are deliberately muddying the waters.  There are many "needs."  You're generous with other peoples' money