> Oh, you just don't want to buy it because you are young and invincible? That's not how insurance works. In the US it does. It will be much more cost-effecti

> Oh, you just don't want to buy it because you are young and invincible? That's not how insurance works. In the US it does. It will be much more cost-effective for healthy people to pay the penalty each year than to buy insurance. When they need care, they can buy insurance at the normal rate, since it will be illegal to deny them coverage based on a pre-existing condition. This is more than a little bit like shopping for fire insurance after your house has burned down. The primary difference is that politicians have not spent great amounts of effort telling me that I should be entitled to place bets on past events relating to burning houses.