In various states, these mandated coverages include alcoholism, acupuncture, breast reduction and treatment for baldness, among other things. You may just want insurance to cover you in case you get hit with some big-time medical problem, but many state laws will not allow an insurance company to sell you that "major medical" coverage, without all the add-ons that politicians and special interests have come up with.

The net result is more expensive insurance, which in turn can mean more people being uninsured.

As with so many government programs, "the poor" are used as a political justification for imposing government-controlled medical care on everyone. But "The Top Ten Myths of American Medical Care" shows what a fraud that is. First of all, the average uninsured American has above-average income-- and people living in poverty are already eligible for Medicaid.

There are of course some serious problems with Medicaid, as there is with government medical treatment at Veterans Administration hospitals and with Medicare. But such things only highlight the dangers of having the government take over the rest of the medical sector, given its dangerous failures where it is already involved in medical matters.

The lure of something for nothing may be seductive when you are in good health. But it can become a bitter irony when you are waiting for months for surgery to relieve your pain or when your life hangs in the balance while some bureaucrat decides whether you can get the best medication or something older and cheaper.

"The Top Ten Myths About American Medical Care" can literally be a life-saver. What it reveals is unlikely to be told by the mainstream media or by other enthusiasts for the magic phrase "universal health care."