the difference between car insurance and this plan is that you have the choice not to drive, and that those mandates are by the state, not the federal government, so you have the choice to move.
with this, you have no choice. the federal govenrment is mandating that you buy a product. the government lawyers got around the constitutional issue by arguing that you had a choice between insurance and the fine...and they defined it all as a tax, which is what they told us it was not. i think Roberts had to really stretch his mind to accept that argument, but he did it. congress has the right to tax. the supreme court does not have the right to stop the congress from taxing.
so back to medical insurance. it make sense to carry insurance to cover those things that you could not cover with cash. major surgery, illness, and injury. just as you pay out of pocket for your oil change and new wiper blades, you should pay out of pocket for snotty noses and vaccines. the problem is that we came to believe that what ever we want medically, should be paid for by someone else.
why should i pay for your Viagra. why should you pay for my estrogen. why should any of us pay for the birth control or abortion that someone else wants. if each of us were paying for what we use and going to the doctor or clinic of our choice, medical costs for each of us would be lower. medical cost over all would be lower because doctors and clinics would compete for our business.
if you did tort reform you'd have a lot more doctors, nurses, and hospitals doing charity work.
i know...i repeat myself :-)
but this mess is the result of leftist taking advantage of the failings of a system that we demanded. if they really cared about the uninsured we could have insured every one of them for a fraction of the cost of this legislation and no fuss. if we really wanted to fix the system, it could have been done years ago because, yes, conservatives have put forward many ideas about fixing it, but they were rejected by the leftists (primarily). why? it never was the goal to fix the system.