Tell that to the tons of working people out there without workplace sponsored group health insurance. But it's "only" on the order of $200-300/mo for a basic in

Tell that to the tons of working people out there without workplace sponsored group health insurance. But it's "only" on the order of $200-300/mo for a basic individual plan, and depending on tax income you can get some or all of that back when you file your returns. If you're interested in reasoning from horror stories, might as well ignore FTE group insurance plans too since those don't necessarily protect against life ruining expenses either. If anything, employers should be more on board with sponsoring trips to Mexico/India/other places with quality no-waiting healthcare on the cheaper side of things. As for people pursuing their passions if only X... there are many people who for various reasons do not have to work and who don't work, it's not a hard sell to extrapolate that the behavior of more people joining that class would be much the same as people already in it. For most of them, most of their time is not spent on Star Trek-ish ideals of bettering humanity/themselves or on passion projects.