This is why a Social Health Care system would be such a boon to entrepreneurship. It would remove one of the biggest worries for people creating their own business.
As FireBeyond noted, the system you’re defending takes more of your money: not only are U.S. medical costs substantially higher – on average! It’s even worse for independent buyers — but the layers of inefficiency designed into the system mean that the outcomes are worse.
The other side of this is considering what happens if you get sick: should we just let you die and bill your next of kin for the cleanup costs? If you’re not that heartless, all of the alternatives cost more than helping people get medical care. I’d much prefer to pay a little more so people can get treated rather than pay for them to be disabled and out of the workforce, or to spare their families the crippling cost of trying to effectively be an insurance pool with a single-digit number of members.
I'm not trolling you - but yes I am that heartless. This could have a lot to do with upbringing, but mine was full of analogies of humanity to nature. One of those was a firm belief that there is no "safety net" to catch me or my family. If I succeed, they succeed - if I fail, then we all fail. Everyone is responsible for themselves.
Everyone's particular set of values will vary, but that is mine.
Increasing the size of the risk pool, for a genuine pool, and a genuine insurance product, should reduce individual pool member costs.
Of course, that word genuine, in both contexts, is abused in US healthcare “insurance”, as I’ve discussed in numerous of my comments (and I work in the industry - it’s an absolute abuse of the definition).