Ever been to an open bar? Until the booze runs out, there is a line. Once the booze runs out — that is, you have a shortage — the line continues, but some people can’t get what they want.
That is always the way when something is (apparently) given away with the price of admission. At first there is a line, then there is a shortage.
But the big problem in all of this is, as I said, that contraception is a distraction. The government is mandating that we buy a financial product and further mandating that it be structured in a certain way.
Without the mandate to purchase health insurance, what health insurance is mandated to cover matters little. The concerned citizen could simply opt out, and save their money to pay their own medical bills — or pay them off with interest if a major illness struck.
And if health insurance were defined more broadly, that is, as proof that you would not burden society with your medical expenses, it would be an easier pill to swallow. Many people could choose to self-insure, gambling that they would never have to pay out large sums for medical care.
The crushing price of an extended hospital stay — with multiple doctors and surgeries, expensive medicines, and costly tests — puts being self-insured out of most people’s price range. But larding up the health plans with every benefit imaginable drives up the cost of insurance to the point of being unaffordable anyway. Many people should not take the risk of being uninsured, but cannot afford the insurance with all of the demands placed on insurers.
The whole process should cause Americans to question why their government is involved in the process at all.