All this hypothetical tells us is that you're young, healthy, single, and have a good income. Which is exactly the issue with our health system -- it only works when you don't get sick.

The median household income in the US is $83k. That's for a whole family. I would challenge you to come up with a monthly budget for four people that can support anything like $1000 a month for insurance (which for a family is actually going to be more like $2000) OR handle multiple $200 doctor visits per month. And mind you there is no such things as a doctor visit that costs only $200 unless you're talking about a routine physical. Because the first thing that happens when you're sick is the doctor starts ordering tests and referring you to specialists. And let's hope nobody needs a prescription!

And then you find what life looks like for 150 million Americans -- you're constantly putting off healthcare until it becomes an emergency. You're gambling with your own life and the life of your children trying to not go bankrupt.