@Ray7: Yes and insure for risks that I cannot bear. I don't need insurance for a trip to the dentist or a doctor, I need insurance for two months of cancer treatments.

Taxation is a sure way of making healthcare less efficient and more expensive.

When we entered the emergency room, the woman behind the counter was busy entering war and peace into her computer for the neccesairy forms to claim money from the government, instead of providing care for my wife.