“What insurance promises is continuity in the face of fate. If you’re uninsured and you get hit by a car, you are basically screwed. While you heal up you’ll have a hard time making a living, and once you’re healed you’ll have an itemized hospital bill as long as a novel to pay down for the next several years. But if you’re covered, you’ll spend some time being tended by doctors and nurses, then you’ll return to the life you had before you were hurt, and things will be roughly as they were, and you can forget that anything bad ever happened. That’s the promise….”
And why, exactly, isn’t this available for everyone?