HANN

I think part of the problem is the blurred lines between routine healthcare and emergencies. You are right, if you are having a heart attack insurance should step in to help you front the unexpected large cost. But for expected care like dentist visits you can and absolutely should shop around.

I like your point about insurance getting to decide but I think it's important to note you can still get treated even if insurance doesn't pay. Or you can sue them if you feel they should pay. You make some good points though.

There is no need to be rude. OP asked for libertarian views.

Then don't shop at those companies? Go buy produce at your local farmers market etc etc. You get to choose what you spend money on. Or you can start your own business if you feel there is a market gap. You cant start your own government.

I'm not sure what you are implying. An individual can pay for insurance or not. They are free to choose. Or they can pay for the entire cost upfront when problems arise.

Profit margins are to keep a company out of debt and ensure it can grow as technology advances. Government would still need to pay employees and keep up with tech. But your right, government does need to avoid debt because it can just print money but that leads to inflation. There is no way to make cost just disappear.

It's a about competition. I'm not saying business owners aren't corrupt. But if one company, say nestle, turns out to be rotten then you can buy your chocolate chips from another company. But with government I don't have a say. If I don't pay taxes I go to jail and if I don't like how my taxes are spent then too bad. There is no alternative.

There is no need to be condescending or rude. I'm trying to share my ideas and have a healthy discussion so maybe we can learn from each other.

I really like your answer but to me this is what motivated me towards libertarianism. We have been voting between two parties that both are authoritarian in different ways and the result stinks. Let's try the other half of the compass for a change. If government sucks then don't vote for more government to fix the corrupt system. Vote to limit government and give power back to the people.

Libertarian care about maximizing social and economic liberties. Liberty being defined as freedom from authority. Taxes are forced on citizens so libertarians generally want to limit taxes to a minimum. I see no reason to believe that universal healthcare would be cheaper than insurance. The government is an inefficient monopoly where private insurance companies have to compete for the lowest rates.

Libertarians want freedom from government force. They want to be able to fund healthcare by choice. They want the freedom to not have taxes being used to send weapons oversees. Libertarians are for social and economic freedom.