Zander, I know that there is no way that I can talk you into carrying your share of the load for the nation's health care costs. I know, and I know that you are not really kidding yourself when you say that you will never need major medical health care. As I said, I spent 50 years in the business, and saw bills up to $5,000,000 for one person. Bills up $50,000 are actually routine with almost any hospitalization. My former wife was a pharmacist, who sold certain cancer scripts for about $15,000 per month. My daughter is a nurse on the trauma ward, dealing mostly with paraplegics and comatose patients, including one guy who was a victim of a drive by shooting, and will never be able to move anything below his chest for the rest of his life, and he is only 22 years old.
Yes, I know all about actuarial morbidity rates, and I knew that you will most likely have a major hospitalization involving either cancer or the heart, before you reach 70. I also know that you will not be able to pay for it, and it will end up being written off to the public, one way or the other. That makes you part of the problem, and the reason that we passed ACA. The penalties for not obtaining insurance are going to rise, until the are enough to offset the adverse selection of those who are insured because they are chronicly ill. Go ahead and continue to live in the 20th century. But, know that you are not fooling anybody. You are, in fact, a freeloader, not some sort of libertarian hero. I've said my piece, and I am out of here.