“Health insurance is, in large part, a Prisoners’ Dilemma.  If everyone but you has it, medicine will seem prohibitively expensive.  Demand is high, comparison shopping is unheard of, and no one cares but you.  When nobody has insurance, though, you probably don’t need it.  Lower demand and more comparison shopping make treatment affordable.  Which makes me wonder: Where would you rather live - a country where everyone has health insurance, or a country where no one does?” — Bryan Caplan