I think you're right. I support a different kind of reform. I say you should be able to opt out of buying insurance. You would sign a form saying you disavow all public or charity help if you get sick or injured. If you can't pay your own way, you agree to just die. No guaranteed emergency room care either, which is current law. You'd wear a little bracelet that says "uninsured" so they'd know to get payment upfront, in cash.I didn't say people couldn't pay in advance. I suggested people could actually pay voluntarily within free insurance cooperatives, rather than being forced to pay, and forcing others to pay. But people don't understand the concept of freedom anymore. Everything has to be imposed in one way or another.