These are bad analogies: > Life insurance high, then what, stop living? You seem to confuse what life insurance is for - it's not for the person being insured

These are bad analogies: > Life insurance high, then what, stop living? You seem to confuse what life insurance is for - it's not for the person being insured, it's for their dependents (at least with respect to term life). And it already happens all the time that life insurance gets too expensive, so people forego it. It's one reason that financial planners recommend getting life insurance when you're young, when you're healthier and it's cheaper. Also, as you age it becomes less likely that you'll have dependents that need you to have life insurance. As others have pointed out, the debate over health insurance shouldn't confuse the debate over other types of insurance. Many societies have accepted the viewpoint that everyone should have health insurance as a fundamental right, even if they have a horrible risk profile and it's uneconomic. I don't think anyone can make that argument about someone's "right" to drive a car that is inherently dangerous to other road users and horribly expensive to repair.