I am very happy you have the luxury to afford your own insurance. I am lucky in that aspect too. Some americans are not. Before you start spewing your bit about they should have gone to college or taken care of their money better, realize for every one of those who have all those things, their are 10 who have to work at the restaurants you eat at. Their are the men and women working at the gas station. These jobs are necessary. They don't pay a lot. Are the people at these jobs "lazy" and "inept" like you seem to think anyone who can't afford the outrageous cost private insurance rates?