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I dont suppose I have an argument particularly. I can tell my experiences for what they are worth.
In 2015 I was in a traumatic car accident and a 3 month hospital stay, then 1 month physical rehab. I got a bill from the hospital for 250k, then a week later my insurance paid it. PHEW! So, I guess if I hadn't had insurance id be paying that the rest of my life? Thats a terrible prospect. I also wonder, if I hadn't had insurance, would i have got the same level of care in the hospital? I think maybe not... maybe.
Another story, this was like 20 years ago, but I was in Mexico and my thumb almost got chopped off my a machete... anyway, I went to the little clinic, and we called the Dr. Because he wasnt there at the moment, but he came in 10 minutes and cleaned and stitched the wound. He gave me antibiotics and it all cost me... 10$ cash!!
So, that said, if one wants good health care in America, one needs insurance.