My wife is having brain surgery tomorrow, and there is no way that I can afford $150,000.00 for a surgery like that. Can you? She has done nothing to cause this by living a unhealthy lifestyle. I know a guy that said the same thing as you, and now that he has a kid and sees how much it cost to go to the doc just for a check up he loves insurance. Everyone does not live unhealthy lifestyle, and they end up sick for no reason. Thats life. Sometimes we are delt a bad hand in cards does it mean that its everyone's fault that it happens that way. I work everyday and pay for insurance also. So I know how you feel about rising cost. And I know people who get free health care, and are in better shape than me or my family. I can't help that, but they are the ones that will pay for lying (if they are) in the end.