From my german perspective, every assumption in this article looks quite gross and barbaric.
Here, everyone is insured. If you break your arm, you get it fixed. If you get cancer, you get therapy. If you get the flu, you get a prescription. The overall cost is paid by the entire population, through the insurance system.
For what is the alternative? Maybe the overall monetary cost would be lower if everyone had to watch the price, but you would pay for it in human lives and suffering, when people have to decide between dying of illness or dying of hunger, or between lifelong pain or clothes for their children.
Here, everyone is insured. If you break your arm, you get it fixed. If you get cancer, you get therapy. If you get the flu, you get a prescription. The overall cost is paid by the entire population, through the insurance system.
For what is the alternative? Maybe the overall monetary cost would be lower if everyone had to watch the price, but you would pay for it in human lives and suffering, when people have to decide between dying of illness or dying of hunger, or between lifelong pain or clothes for their children.