Most people don't have 10 million dollar hospital bills. That's how insurance works: everyone pays in case something happens to them, and the people who have ex

Most people don't have 10 million dollar hospital bills. That's how insurance works: everyone pays in case something happens to them, and the people who have expensive treatments are subsidized by those who don't. Insurance is more effective at dispersing that cost when the pool is larger, so the most effective scenario would be for everyone to pay in via taxes and simply… be covered. Edit: I don't understand the point you're trying to make with your edit.