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Let's just assume that's so. My point, which you continue to miss, is that if you were to change the law in the way you suggest, individuals would not be able to buy the policies they feel like buying. So you need to find some other principle to invoke.
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I'm not advocating changing the law. I'm advocating removing the law, and the TPAs, which distort a normal market.
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Why is it more of an infringement on liberty to be forced to buy insurance than to be unable to buy insurance?
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Because no one has a right to have a product created for or delivered to them. People do have a right to not be compelled to pay for that which they do not want. Our rights are inherently negative. We allow positive ones only with extreme reluctance.
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In both cases, your choices are limited. Do you suffer every day because the Commonwealth of Pennsylvania requires you to buy auto insurance in order to drive?
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Driving is a privilege. If you don't like the rules of the road, don't drive. You might as well as me if I object to laws against drunk driving.
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If so, you are remarkably stoic about it, in comparison to the deprivation you see with health insurance.
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This country'd be 10X better off if we were all a lot more stoic about everything.