The bubble I live in is that I've actually got enough money to pay the out-of-pocket costs if the insurance company screws me. It won't bankrupt me, at least not in the near term. But looking outside my reality, there are a huge number of Americans without anything even approaching that luxury. Especially younger generations. When I look at the numbers, I think your scenario B looks a bunch more realistic. Right now I just have political ideology, but I see a lot of people who have real skin in the game and I wonder how long we can maintain the status quo before those folks collectively realize just how numerous they are and how much change they can effect if they try.
