I just saw the nice new box on my W2 that shows "employer health insurance" payments. It was about five times what I would have paid out of my own pocket for my health care last year. Had my employer been legally allowed to hand me that money directly and allow me to pay as I go, I'd be several thousand dollars ahead of the game.
Yep, and then you would get cancer, run out of money after two weeks, and die.
If you could guarantee that you'll never get sick or injured, then insurance would be a waste of money. It's all about risk management. Hospital bills are ruinous (fun fact: they're the #1 cause of Bankruptcy in the US) which makes going without insurance risky. Worse, if you got injured and brought into an ER they would still operate on you, and then everybody else would have to share the burden (plus a big chunk of other fees associated with the inefficiency of trying to bill someone without insurance) anyway. So you're just being a selfish jerk really. You're not paying your fair share, but still expect to be treated when you get sick or injured.
If Libertarians were willing to just die on the street properly when they ran out of money after a simple injury, then the system would be cheaper for everybody. But they never follow through on this.
"And remember: Evil will always prevail, because Good is dumb." -- Spaceballs