Are you an idiot? You failed to answer my questions.  So let me explain.  Taxes on health care drive up costs which drive up costs health insurance premiums.  Increased regulations do the same.  Going back to the Philippines, you are right. I have relatives that can not afford health care, but like everyone else in the world, they are responsible for themselves and their families.  No one else, including the government, is responsible for them. The idea of insurance makes care more affordable as you diversify costs.  Insurance markets break down when you begin to subsidize one persons rates at the expense of another’s.  If you disagree, feel free to start paying for my families health insurance. I’m happy to connect and you can send me the 16,000 dollars we are paying this year!