Those with health insurance are overinsured and their behavior is distorted by moral hazard. Those without health insurance use their own money to make decisions based on an assessment of their needs. The insured are wasteful. The uninsured are prudent. So what's the solution? Make the insured a little more like the uninsured.
Malcolm GladwellWhy are man hole covers around?" If you don't knwo the answer to the questions, you're not smart enough to work at microsoft
Malcolm Gladwell