Every insurance company exists to

1) Make money, just like every other company in the world.

2) Spread the risk of adverse events among many policy holders so that financial risk is minimized if an adverse event occurs.

The policyholder should be allowed to cover only the events they want to cover. I'm sixty years old next month and my wife is 18 months younger. Why should I pay for child birth coverage? I want a high deductible and coverage for the perils I might actually suffer. I don't want to pay for perils others might face. I shouldn't have to pay for birth control, drug addiction, mental health (Shut up Dwight) and everything else the government wants to force me to pay for.

If we did auto insurance the same way the government wants to do healthcare coverage the insurance company would pay for wiper blades, tires, tune ups, brake pads and oil changes. What do you think that would do to your premiums?

Insurance is supposed to keep you from financial ruin, not pay for every expense.

We all like to think of ourselves as rugged individualists. But when push comes to shove most of us are sheep who do what we are told. Worst of all, a lot of us become unpaid agents of whoever is controlling the agenda by enforcing the current dogma on the few rugged individualists who actually exist.