Interesting perspective, and thanks! Per your last point, it's basically correct, but more like an involuntary loan. Upfront payment is never required, but a d

Interesting perspective, and thanks! Per your last point, it's basically correct, but more like an involuntary loan. Upfront payment is never required, but a debt always results. If you were to arrive unconscious at a hospital after an accident, they would save your life and you could wake up to a bill that was more than your net worth. No person with any sense and assets to protect would go without health insurance. The poor just avoid the debt collectors as long as they can.