Why not duplicate an insurance that works?

Numerous times I've questioned why politicians and President Barack Obama are going the socialized medicine route when it comes to health care and not looking at how auto and home insurance systems work instead.

Now comes this post by Eli Lehrer, "Auto Insurance Works - So Why Doesn’t Health Insurance?" which wonders the same thing.

Those looking for solutions to America’s health insurance bills can see a lot to admire in the auto insurance market. Auto coverage purchasers throughout the country have a wide choice of providers, a fair number of different options within those plans, and benefit from vigorous price competition in the market. In states that don’t monkey too much with the auto market even the worst drivers can usually find a private carrier to cover them. All states but New Hampshire, furthermore, have “financial responsibility” — the individual mandate — that requires car owners to have either insurance or another means of paying for any accidents they cause. This last feature, in particular, has attracted praise from Republicans and Democrats alike.

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