Barbie, if we all had to negotiate for insurance individually, none of us could afford insurance. The young and healthy wouldn't buy it because they felt they didn't need it, and the old and sickly couldn't afford it because the premiums would be more money than they could make.
No one is advocating getting rid of employer-provided health insurance...except for Democrats. We can all afford insurance on our cars and we negotiate those prices ourselves.
The Car Insurance analogy is silly. Every last one of us is going to get sick and die at some point. In fact, most health care spending is "End of Life" spending. The vast majority of us don't get into serious accidents in our cars. The kind where you have to replace the whole vehicle.
You say the car insurance analogy is silly. You say that only because it shatters all you foolish "needs" for our health insurance.
No, the majority of us don't get into serious accidents but we do have claims for stolen and vandalized cars.
We need to allow the young and healthy to buy only catastrophic coverage without all the dozens of mandates required by the government.
Insurance is insurance. It is all based on actuarial tables. What are the chances of a claim and how much will that claim cost the company?
Medicare is deeply in the hole and there are far-left whackos who think we should expand that to everyone, stealing what the majority of citizens want to keep their own insurance.