Its BS argument that anyone's insurance rates and medical costs are higher d/t those w/o insurance sucking the system down. I'm primary care physician [means I'm licensed to treat anything that comes in or know where to send em next] for 35+ yrs involved with workers comp, personal injury, medicare, veterans and health maintenance organizations - to know Insurance is a for profit industry regulated under gambling laws. At the introduction of the Medicare and HMO models elite global level lobbists and lawyers invited all the 1' care Dr. to lecture on what was to come and how we could help grease the transition. They detailed the history of contract and insurance law and principles - like how during The Great Depression factories did not pay enough for people to take care of normal expenses let alone disabling ones, so instead of paying proper wages in order to settle down the Union up risings fooled people into extra tax on wages to be held in vast accounts that could make beaucoup interest on it while only dribbling out minimums to patient care but rarely ever equaling what a worker actually paid in over time. We were then explained that the big payments would go main to fancy diagnostics and all the money Dr's/hospitals would make on that side rather than spending on most effective care. Wasn't too long after that I dropped out of insurance system though give invoices patients can get applied ot deductibles or reimbursed. The other thing is the insurance tends to drive prices and stuff ordered up and up and up with less and less payback to patients. I used to deal with BS/BC alot and discovered during this change over they refused to cover their own workers because their deal was so bad so they when over seas for their own workers and executive staff. If ya ride ya face all types of distres$. But like gambling ya pays ya money and takes ya chances, though casinos know the house dealer always comes out ahead in the long run.
