Insurance companies purpose is to maximize profits. Auto insurance is the perfect model. You increase premiums or eliminate individuals who are the highest risk; those with many tickets, many accidents, DUI's etc. We do not have to pay higher premiums because of the irresponsible behavior of others. You reduce the risk of the insurance pool and increase the profits of the insurance companies. Those that add risk and reduce profits in health insurance are not irresponsible drivers. They are older people, people with cancer, heart disease and other chronic conditions. How do health insurance companies reduce risk and increase profits? In many cases by eliminating the high risk users? It is the same business model as automobile insurance. The government is already helping the priivate health insurance company by insuring many of those with the highest risk through Medicare and Medicaid. Anyone who says the private insurance companies can best serve our needs on health care are incorrect. The private insurance companies already rely on the government to take many of the high risk individuals off their rolls. Without Medicare and Medicaid many individuals would not have coverage and the insurance companies would have lower profits. The private insurance companies cannot meet our needs without the governments help. The only question is how much will the government be involved?