On the flip side, government cannot replace individuals making choices b/c it’s individuals who make up the government! Because, in their arrogance, they assume a top-food-chain position, absence of answering to a higher moral authority transitions into answering only to themselves, which enables this whole idea of “we” which is really “I.”

In other words, without a foundational belief that all must one day give account for their actions, both in the marketplace and in government, a society’s ability to stand is ever-weakening.

As for nongroup insurance, it’s a myth that individual coverage must be a bad deal. See Don Boudreaux’s post here. Also, any restrictions on the formation of private groups for the purpose of buying insurance should be repealed. Companies do compete at the individual level, but demand is constrained by tax laws that favor employer-based insurance.

If more people would simply take a few minutes to seriously consider the points you raise in this essay, the national health care debate would be immeasurably enriched. “We” can fix health care if “we” are simply left to make our own individual decisions, without the heavy hand of government second-guessing or constraining our choices.

We need to pass a law that recognizes a person’s absolute ownership of his own body and mind, and forbidding government usurpation. If we could just get that through Congress, we could cause many of the other dominoes of our dysfunctional health care system to fall, leaving us all much better off.

When we make our own medical decisions based on the sacrifices we are willing to incur, no so-called line needs to be drawn by anyone else but ourselves, and that as the song goes “ain’t nobody’s business but my own”.

In regards to health care, a quote from former Libertarian politician Harry Browne comes to mind.
“The government is great at breaking your leg, handing you a crutch, and saying ‘You see, without me you couldn’t walk.’”