My point exactly: the insurance business model does not work for healthcare. It only works for cars because maintenance and breakdown repairs are done on a different system, and people aren't cars.

It works moderately well in this country because the National Health Service picks up all the conditions that don't fall within the insurance-based systems, as well as supporting those who can't afford or don't want the extra coverage. I don't have to imagine what it must be like without that backup, I read enough American novels to know.I thought the point was too obvous to need explaining. If your neighbour doesn't have fire insurance, are you going to be happy that the fire brigade leaves his house to burn? And set the whole block afire? Firefighting is a communal interest. So is healthcare.
the insurance business model works just fine for healthcare if people play by the rules, but they don't want to

I thought the point was too obvous to need explaining. If your neighbour doesn't have fire insurance, are you going to be happy that the fire brigade leaves his house to burn? And set the whole block afire? Firefighting is a communal interest. So is healthcare.
as long as the rest of the block has the insurance, it's not their problem, as firefighters would be obligated to keep the fire away from those who did pay