[anigbrowl]

I see your point, but I think it's very hard to gauge what the appropriate level of insurance is, because the risk factors are opaque and the likely cost of treatment unpredictable.

The other reason I'm strongly in favor of socialized healthcare is because of the insane administrative burdens it imposes on patients, whether or not they have insurance. Every medical decision a person makes about their own health in the US suddenly takes on administrative and financial dimensions that are quite poorly correlated with the clinical considerations.