My recent experience has been interesting.
I have been monitoring high blood pressure for a while now, and had a check-up. They did a blood test while they were at it, and said I should watch my diet because of the cholesterol.
I got laid off, and put on COBRA (California's mandated 'laid off' medical insurance, for a mere $430 a month - and this is what they charged EVERYONE who was laid off). So I go shopping for insurance.
Guess what? I've been turned down for insurance by two different carriers. Seems I'm a "high risk" because of the blood pressure, and my last Cholesterol test. Goody. I monitor my health and do whatever the doctor says, and so I have a RECORD that shows three numbers that automatically make it impossible for me to get insurance.
So, that means when COBRA runs out in a few months (and it's no bargain at $430 a month rate, and covers absolutely nothing preventative at all), there is no "health insurance" for me, unless I can find another job with another full-time employer.
Isn't that nice?
A couple hints to all of you: if it looks like you might be laid off, make sure you DO NOT have a checkup, DO NOT get any optional blood work. DO NOT let them put you on any medication. Get your own insurance BEFORE you're laid off. And DO NOT let the company pay for it, or it'll end up getting SNAFU'd into "COBRA", which is about 5x~8x normal health insurance rates AFTER you are laid off.
Most importantly, just never, ever get old or sick. Then you can pretend that health problems will never happen to you or your family, and that health care is a 'privilege'.
You get sick, and get laid off, and guess what? Your insurance rates will go up until it's a choice between that payment and the mortgage. And then you'll be risking the house anyway every time you get sick or hurt.
People in the UK and Canada gripe about their VAT and other taxes, but they would probably gripe a bit more if they had to shell out over $5000 a year for medical insurance that doesn't cover squat whan you go visit a doctor, doesn't cover tests the doctor recommends, and basically doesn't cover most doctors within an hour's drive of where I live. Oh yeah, and in four months, they won't have any legal obligation to continue to cover me at all. The fact that I have been continuously covered for years with no hospital stay at all is meaningless.
Yeah, it's not a "right", but then again, driving isn't a "right", either. See how well you can live in most of America without a driver's license.