Why I Don't Want Health Insurance

     When it comes to the option of having health insurance, I am inclined to take my chances, by going my own way, uncovered.

Health insurance, on average, is not a good deal.  If I were to call up a private insurance company and solicit for a "health care plan", assuming I am honest, chances are that I will never get back as much as I pay into it.  The products they offer must be profitable to those companies, or they will go out of business.

The other legitimate (i.e. private) way many individuals obtain health insurance is from an employer.  However, what too many people don't realize is that if there really is any value behind the "health care plan" that is assigned to an employee, it is subtracted from what that individual would otherwise be paid.  I don't know about you, but personally, I would rather earn the cash.

Finally, my biggest reason why I simply don't want health insurance is that I don't want hospitals being rewarded for acting as prisons towards me.  Though it has been more than 11 years since I was last forced into a mental hospital, I remember all too well how a paid hospital had more of an incentive to not release me, or to keep me there longer, than one that is not profiting from the injustice.

Paul Wharton
Objectivist Capitalist Medicine Promoter

Special thanks to Eli Lilly & Co. (LLY) for being the fuel of my mind