that would just cause people to drop the coverage and rates would rise for everyone else. healthcare in the US is trash as is, my state has so many illegals and homes that dont pay as is they send people that pay to collections so you're stuck fighting b.s. double billing or your insurance co pays end up being as though you have no insurance. i'd drop my insurance tbh it really does nothing, my car insurance is more likely to protect me if i claim it happened around my car,.