Insurance companies could just go away, and a lot of the issues would work themselves out.  If we wanted to have Medicaid or universal healthcare, we’d need to add in a clause that forces people off of universal healthcare for noncompliance. Not the “I’ve had a rough few months and haven’t been able to take care of myself” thing. The part where over a period of 2-3 years prove that they have no interest in putting effort into improving their life. Yes, this would include everyone.