I think the main point here is that everyone needs healthcare of some kind, statistically speaking, throughout their life. Some people need more than others, often through no fault of their own.
And do you have actual statistics on how often it is their fault? The top 5 healthcare expenses in the US (such as heart disease) for instance have very strong ties to obesity. What about drug users? Smokers? People who use tanning beds and avoid sunscreen? Etc, etc, etc. I would argue the vast majority of healthcare issues are caused by lifestyle choices. And the "not their fault" (genetic conditions and truly bad luck) are the exception. Going into this argument with that frame of mind leaves a few options:
A) let the taxpayers pay for the people making bad life choices while letting them continue their bad life styles
B) let the taxpayers pay for the people making bad life choices while passing heavy legislation to curb bad behavior
C) let the people live their own goddamned lives and pay for their own mistakes
Between the options available, I prefer C, especially in this country where no one is willing to be accountable for their own actions. Option B invites a huge government crackdown on freedom, and Option A is a financial clusterfuck and a huge "fuck you" to all the healthy/responsible people out there.
What you are essentially saying is "I don't give a shit if you die, I want my [pool | car | foreign holiday]."
Ah yes, because all of us use any income boosts on frivolous things. Personally, I'd like to support my parents in their old age who are in their 50-60s, failed to responsibly save when growing up, and now cannot retire because of it. Every fucking dollar you take from me that has to go to some other jackass that made poor life decisions is one you take from me that I could be using to take care of my own family. So get off the "you're all greedy assholes who just want another ferrari" preachy talking point.
Of the G8 nations, you pay nearly twice the cost per head of the next nation, for pretty similar outcomes. This extra cost is pretty obviously because of the nature of your health insurance industry.
"Obviously"? Why, how scientific of you. I'm sure lifestyle has absolutely nothing to do with it. Or the fact we spend ungodly amounts of money giving terminal patients a few more weeks to live when Europeans tend to let them go earlier. But it feels more right just to criminalize the industry rather than take responsibility for our own actions after all.
It seems insane to leave your health in the hands of a corporation who profit the most from denying you as much healthcare as possible. The extra bureaucracy the insurance industry engages in for their campaign to deny their customers treatment undoubtedly increases costs.
I find it insane to leave those decisions in anyone's hands but the patients/family. Shifting from a corporate death panel to a government death panel doesn't exactly fix the problem.
If you want a cheaper healthcare system, you only have to look to countries with socialised healthcare.
Why? Because that's the only counter example? Because no one else has a system implemented like the US? So naturally the only available alternative must be correct and all others wrong? It's mighty convenient for your argument that there isn't a single additional private healthcare system out there to provide a second data point for the opposite side of the argument, isn't it?