[VS1999]

And healthcare insurance if you live in the US, and regardless of where you live it clogs up your entire healthcare system as Jimmy-no-seatbelt flies into the trauma center.

[roywiggins]

In countries with universal healthcare you pay too, it's just called "taxes" instead.

[Jiro]

That's an argument against a state-run healthcare system. It gives the state reason to classify arbitrary things as "increases the cost of insurance" and prohibit them.