Great clarification on what insurance really is. What we seem to be moving to is managed health and not insurance. I just don't understand why people want politicians managing their health. I suppose managing your own health is too risky and uncomfortable. Not sure how putting politicians in charge makes anyone comfortable.

When people get government managed health the politicians in government will definitely manage them good and hard - I took liberties with H.L. Mencken's quote "Democracy is the theory that the common people know what they want, and deserve to get it good and hard." Read more at: https://www.brainyquote.com/quotes/quotes/h/hlmencke163179.html.

One example of government managed health care is the recent decision by the UK Supreme Court preventing parents under that government from taking their infant to the US for emergency experimental procedures. They asked for government managed care, so parents must yield to the state. Is this an example of a "death panel"? Sorry, couldn't resist the sensationalism. :-) See http://www.cnn.com/2017/06/27/health/charlie-gard-european-court-ruling-bn/index.html.

Thanks for the thought provocation.