Insurance is private socialism. Most customers will not claim benefits from insurance companies. Healthcare, on the other hand, will be used by all. There’s no getting around it. Mortality is a pre-existing condition, regardless of whether the benefit is delivered privately or publicly and there are no freeloaders.The problem with health insurance is that it doesn't work like insurance. It works like socialized health care. The only difference is that you see the price of socialized health care rather than the price being hidden in taxes.