I take a leaf from the car motor insurance where all cars need to be insured against accidents. And all the drivers out there are now KPKB about increase premium because of the doings of those reckless drivers. Everyone is make to pay extra even when they didn't get into any accident. If as driver, you would rather opt out from the mandatory motor insurance scheme, chances are you won't like the idea of universal healthcare. Universal healthcare insurance works exactly in the same way. We are asking people who lives healthily and live longer subsidize those people who don't.
Your motor insurance analogy is spot on. But insurance is about pooling of risks; you need a big enough pool to cover the risks of catastrophic events, and for universal coverage everyone has to chip in.
Inevitably, some will get a payout while others will contribute for years without anything untoward happening to them. It's the nature of the beast.
But who in his right mind would want to get into an accident to benefit from insurance? Similarly, would you contrive to get yourself a cardiac bypass op just so that you got a good return on your health insurance premiums? Remember, we use insurance to give us security against something bad and undesirable, never against the good things!
You don't throw the baby out with the bath water just because some unfortunate people benefit more from insurance than others. You make it more equitable and affordable for the masses by stratifying premiums according to income, and you minimise abuse by building checks and balances into the healthcare system, diverting more funds to primary and preventive medicine, and educating people about healthful living.
Besides, the billions of dollars are sitting in your Medisave accounts not doing anything at all: not used to pool healthcare risks, not used to help defray the healthcare costs of the poor, elderly and unemployed, and even the $40,500 minimum Medisave sum is not enough to pay for your own healthcare bills should you or your aged parents be hit with a catastrophic illness like cancer or stroke.
And we have the lowest per capita govt spending on healthcare and the highest out-of-pocket expenditure in the developed world. You sure our healthcare is system is all hunky dory as some try to make out?
Just so, the only major difference between motor insurance and universal healthcare is this: motor insurance is 100% private, while the proposed universal health plan is heavily subsidized by the government in the ratio of (roughly) 80% govt : 20% pte.