responsible individuals take life seriously, get a decent education or training, and make themselves a competitive and valuable addition to society, thereby ensuring a career with either insurance benefits or disposable income which can easily afford insurance so long as said individual is fiscally responsible. The problem is most people blow off their younger years for video games in lieu of a hobby which develops a skill set, and later buy boats and flatscreens before insurance.

As for coverage denial, that only occurs if someone wants something greater than standard of care. Basic insurance will cover just about any known issue, you just may not get the top-notch care, and elective procedures will not be covered.

I like to compare healthcare to cars. If people were fiscally responsible with a work ethic (AKA Northern Europeans), they would mostly all get the Volvo of cars-not glamorous or especially expedient, but overall safe and very effective. A few people get McLarens, and a few have to walk. The problem is that not everyone is a good addition to society, so the US has now decided that everybody gets the Ford Pinto so no one has to walk. It sometimes takes a very long time, or even breaks down and you have to get a rental which is costly. This is sort of ok, except that everyone expects and demands the McLaren of care. So we sort of give it, and now our country is peering and falling into a big fucking hole.