So you are cutting into someones right to choose not to buy insurance so that you feel better about your own stuff? Let me ask you this. Have you ever tried to not pay a medical bill that your insurance didnt cover? If you did, how did that work out for you? Ill tell you what happens, you end up with a judgement against you, and they garnish your wages. Bottom line, you pay one way or the other. Bankruptcy isnt as easy to claim as you are making it out to be. Most of your high insurance costs have to do with handing out medical care to illegals and supporting the lawsuit industry we have in this country. Want to fix alot of problems with this country/economy? Start by getting tough on immigration and put an end to frivolous lawsuits by creating a law that says whomever looses the case, pays the other party's legal expenses in full. Get rid of the bankruptcy loopholes, etc that allow people to have an easy way out. In other words, create an environment where people need to take responsibility for themselves and their actions.