If health insurance weren't such a stupid institution I may agree with you. But look at other insurance, it's all stuff that you never expect to happen. Now, how many people do you know who had their houses burned to the ground, or were flooded, or had a major car accident? Generally speaking these are exceptions. Now show me someone who has never gotten sick, never had to go to the hospital, and has never needed any health care that costs more than 50 bucks. We're all going to get sick, we're all going to need coverage at some point, and someone is going to pay for it. That said, I'd much rather have a public option that gives basic coverage for the majority of situations, run by the government to be self sustaining rather than trust private companies to actually regulate themselves, as it spreads the risk out further and eliminates a good portion of the overhead involved in insurance companies. But then a lot of health insurance companies would take a shot to the pants as they'd likely not be able to compete with it and make money. What we have here is a minor step in an odd direction because every ninny out there who still fears communists are going to take their stuff cry socialist when someone attempts to do something other than fill corporate accounting ledgers.