Insurance by definition is the group paying for the individual. Wanna pay for only yourself, get out your checkbook and start writing.
To rail against universal healthcare is the epitome of stupid.
Insurance is paying into a group fund to mitigate risk. Everybody lives with risk of a loss and if they can easily afford to pay to replace something that is lost, damaged or fails early, they self insure. If the cost of addressing a loss is higher than they can afford then people look to buy insurance. If the cost of insurance is too high then people find other ways to mitigate the risk or they just live with it. Federal flood insurance program was put in place because private insurers were unwilling to cover losses due to floods in flood prone areas. We can debate the merits of the idea but it was a federally subsidized plan that was not designed to break even, it was always intended to run at a loss. It allowed builders to build homes in flood prone areas.
It is a misnomer to call healthcare coverage, "insurance". It is health care coverage. It is not insurance and operates according to different market principles.
I'm not against universal healthcare, I'm against Bernie's bill because it is a poorly written and shoddy plan with literally no means to pay for it. It lists all the procedures that will be covered but guess what? There are no guarantees that they will remain in the final bill. There is no firm estimate for cost too. Also, expanding the program from 44 million people to 327 million people in four years is not addressed in the plan either. Waiting times are projected to go up because the current health care system is not ready for the increased number of people who will use the "free" system. We need a better plan than Bernie's bill.
So, yes, conceptually, universal healthcare is decent idea and works well in other countries. Yes, I think long term this country will end up there. Bernie's plan is poorly thought out. People should have the option to buy into Medicare or to purchase private insurance.
If Bernie's plan is so good, why does it force people out of plans they like and into a Medicare? If it's so good, people would naturally choose Medicare, would they not?