How does that work for people who have never been able to work (i.e. chilren in bad households and people with disabilities from birth/young age)? They can't pay for membership, so why would a private insurance company insure them for free? What if all insurance companies happen to not accept them as customers?

> However, Government should also not be in the business of prepping bad choices -- diet, family formation, bad lifestyle. Any society that is given unconditional support will degenerate

How do you guarantee that no bad choices are propped up without letting individuals die due to missing coverage?