Delta, you are not entirely correct. I have seldom wasted money on health insurance. I have however needed treatment for various accidents and illnesses. As a cash or credit card payer, I have been forced to pay for those indigent folks also. I don't know how that works as I thought Medicaid which I fund through taxes was supposed to cover those folks. This is not the same type of program as the internet in schools program where we get a surcharge on our telephones that allegedly goes to provide internet service. Obamaphones work the same way. Have you ever wondered about the 911 surcharge per telephone line. Originally that was supposed to pay for the equipment and maintenance of the E911 system.