@bbhero. it all depends on how you view healthcare. If you view it as a fundamental human right then it is unacceptable for people to forgo care because they cannot afford to pay for it. If you view it as a luxury good then it is unacceptable for people to receive that good if they cannot pay for it. In this case everyone should pay for care out of pocket and any insurance plan is unacceptable as well because even if you have insurance that covers your care, it is a larger pool of people not using healthcare that are paying for the patient's care.