Theofilus wrote
Another true story:
A two year old girl had a high fever and started having a siezure. Her mother rushed her to a nearby hospital. When she arrived, she was asked whether she had insurance and with what insurance company. (None of that rushing and hooking the girl up to tens of millions of dollars worth of equipment to find out what's wrong and starting treatment right away, like you see on doctor shows on TV.) The mother told the receptionist that she had insurance with a particular insurance company. The receptionist called the company to confirm and to get pre approval for the necessary treatment. As it turned out, the insurance company owned it's own hospital, and they said she would have to bring the girl there to be treated (something they had neglected to mention when they sold the parents the policy). The insurance company's hospital was clear across town, and the mother was afraid that her daughter was dieing. She begged the receptionist to let her see a doctor and promised that she would get the money somehow, but she ended up being escorted out of the hospital by two security guards. Since her insurance wouldn't pre approve an ambulance, she had to drive her baby (who was still having a siezure) across town to the other hospital. When she got there, she had to answer the same questions about her insurance company. After they had confirmed that she did have a policy with them and had gotten pre approval, she finally got to see a doctor, just in time for the doctor to watch her baby girl die.
This woman had insurance and her baby died anyway. It's obvious that expecting doctors to treat people - even babies - just out of the kindness of their hearts is unrealistic. So, if the government isn't supposed to intervene to prevent cases like this, how do you propose to do it? Oh... that's right...