We shouldn't seek to ban insurance or force them to work one way or another. The problem you identified is correct but the solution isn't right. You should let

We shouldn't seek to ban insurance or force them to work one way or another. The problem you identified is correct but the solution isn't right. You should let people be free to choose to freely associate with one another (or whatever insurance policy they prefer). Instead, get rid of legislation that makes hospital bills something awful for unensured people. Many things are driven by the insurance companies but others are by hospitals or even just politicians with bad ideas. Remove the barrears of entries and things tend to get better too.