But here's the real problem: "The number one reason they listed; people will need to take responsibility for every facet of their health or pay a premium."  Yes, they will need to take responsibility because they will have no choice.  I look forward to websites devoted to do-it-yourself home surgery!

Maybe what was meant was that insurance has and is growing worse with its unaffordability, high deductibles, second-guessing doctors, services paid at absurd "reasonable and customary" rates, endless fussiness about what will be paid for... so many reasons that put the patient in the quandary of making their vitally important medical decisions not on benefit & merit, but on skewed "Can my family afford this?"

 I think you are inappropriately interpreting that comment out of context to serve your personal agenda of "blaming the victim".  I was wondering what caused my wife's cancer, but now I know!  Apparently being a PhD-toting Fulbright Scholar devote Christian is not enough.