Becky has the right idea…we need less insurance, not more.
But coverage of mundane and everyday medical care makes as much sense as having food insurance. We would go to the grocery store and show the checker our food insurance card, and the public or private carrier would take care of the tab.
I think that addresses the heart of the problem.
You don’t use your auto insurance to pay for a new battery, car washes, or breaks. These are maintenance issues–just part of owning a car. Auto insurance covers accidents–things you know are possible but hope will never happen to you.
Getting colds and minor injuries are just part of living. Health insurance should cover big things that you know are possible but hope will never happen to you–cancer, heart attacks, etc.
And just like driving sober and at a reasonable speed can reduce your chances of having an accident, making healthy lifestyle choices can greatly reduce your chances of having an unexpected illness.
We don’t subsidize auto insurance for drunks with a bunch of speeding tickets, so why should we subsidize medical insurance for smokers or people (like me) who choose to participate in injury prone sports?
IMO, Hillary needs to be more concerned with her own health (getting checked for STDs regularly?), and worry less about mine and yours.