So now it's a matter of "when" and not "if" I get sick. I was sick last year with an ear infection. I went to the clinic, paid my $75 bill, went to the pharmacy right next to the clinic, paid the $75 for the medicine, I got better. Your explanation doesn't hold water. Begs the question though, that if I do have the assets or money to pay for a pretty hefty medical bill, ain't I gaming the system by purchasing health insurance to cover medical costs I could easily afford?
Actually the quote DOES hold water. When (and for all of us it's a matter of when, not if, for all of us) you become sick with a major illness (such as heart attack, stroke or dancer) or are severely injured in an accident, you will be unlikely to be able to pay all your medical bills. Your health care providers will make up the loss with higher charges to paying patients and their insurers.