I don't disagree with you - I just believe there must be some way for someone to "opt out" if they want - but if they do that how do we prevent someone from gaming the system who doesn't have the money to actually pay for what they need? It's not that far fetched to be in a situation where medical expenses can be in the hundreds of thousands or even millions of dollars. Ultimately we need Medicare for everyone, but until that time (if it ever comes) is it possible to make the current law more palatable for everyone?