It was not that long ago that people DID pay for their own healthcare and insurance was purchased rather cheaply for major health issues, not colds and hang nails. That is the problem, once the PPO's and the HMO's came into play that raised costs. You pool people together to make it "cheap" when really it inflates the cost and encourages abuse. Besides, if we got rid of the PPO's and HMO's you would see the cost of visits DROP. No more flat fees, Drs. would be competing for your business. We probably would not be dealing with a resistence to anti-biotics either, since people would let their bodies heal instead of running to the Dr. for every little runny nose. When you buy car insurance, it doesn't cover maintenance.