But if you don't have insurance, and you get the brain aneurysm that I mentioned before, that is congenital and not related to lifestyle, you will end up costing a lot of people a lot of money. But if you don't have insurance, unless you can pay out of pocket, you will have to give up your home (assuming you own one), and become indigent and get your care paid for by the taxpayers in the form of either medicaid or medicare.

And when you have car insurance, a lot of other people will be paying for the costs of any accidents that you are in. You will not be paying those costs yourself. That's what insurance is - spreading the risk and the costs associated with that risk - over the largest possible pool of financial contributors.

A government run insurance plan does not need to involve government employees making decisions about people's medical care. It can be run in such a way that the government only administers the insurance end of it and lets the doctors make the medical decisions. That whole thing about government bureaucrats getting between people and their doctors is a straw man.