Private auto and homeowners insurance are not price-insensitive, despite being mandatory (former case, by mandate, latter case, in practice for mortgaged proper

Private auto and homeowners insurance are not price-insensitive, despite being mandatory (former case, by mandate, latter case, in practice for mortgaged property). If insurance companies paid out indiscriminately to the reckless; i.e. failed to manage their risk; then their premiums would get too high and they would lose their average customers. There is no analogue for taxpayer-funded healthcare. There is no practical upper bound on the cost. The over-users will not run out of other people's money. Unless, of course, there are death panels; everyone loves death panels.