Comment: Premiums are a house payment, so I don't have to worry about falling off a roof.  Seriously though, no rational person doubts the value of insurance however rational people also know what a racket is and when they are being robbed. American health care is a racket, highway robbery. All facets of it, insurance, device cost, pharmaceutical cost, college cost, doctors cost, administration cost, hospital cost, all of it. They are totally taking advantage of us at our weakest moments and using our greatest fears against us. I would say healthcare gives government a good run for the money in regards to inefficiency and bang for the buck. Not to mention those that insist on visiting the doctor daily, living a poor life style and taking excessive risk.