One comment - if welfare didn't exist, and people had to pay out of their own pockets or form insurance cooperatives, would not prices and care be more realistic and practical?
The only reason that health care is so crazy expensive is because you are in direct competition with welfare babies who go to the doc at every opportune moment. Think of everything in terms of who you are competing with. Toss in the confounding factor of a completely irresponsible court/justice system, and it's not hard to figure out why health insurance is so expensive and yet practically ineffective in many ways.
It's kinda like buying a house - single-income families cannot compete in a market driven by dual-income families, everything else being equal.
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