The problem is you shouldn't be making that decision when you are already sick and you discover your insurance won't cover. Additionally the current healthcare

The problem is you shouldn't be making that decision when you are already sick and you discover your insurance won't cover. Additionally the current healthcare market is not what I would call competitive. Only a handful of insurance companies have some kind of monopoly, not to mention how it's tied to having a job. All of this assumes that getting sick is a choice like driving a car.