I figured, but with the "Most HN comment" meme and Poe's law providing context, it can be hard to be sure someone isn't suggesting something a bit more... extreme. :)

Lol first time my thoughts on banning health insurance is the less extreme option haha...

For reference, the idea is to optimize for public good. Banning insurance would drop fees dramatically because people would get less unnecessary work done. At the same time, hospitals and others would be willing to offer loans provided you could pay it off. This would drive down costs to the point even the poor can get some decent medical treatment. Any gaps can be made by non-profits, religious organizations and the like (similar to planned parenthood). Not perfect, but makes healthcare abundant and cheap.

> At the same time, hospitals and others would be willing to offer loans provided you could pay it off.

I'm not sure we want to encourage people to go through loan terms while possibly fearing for their life, especially when the people advising them on their health options are associated with those offering the loan.

"We need to operate as soon as possible, you're at risk until we resolve this. Oh, here's the loan information if you choose to get a loan through the hospital. The terms aren't as favorable as some others might offer, so feel free to take your time and shop around. Oh, but don't forget that your time is limited. Let me know when you've secured funding and we'll schedule the operation."

> This would drive down costs to the point even the poor can get some decent medical treatment

Or we could just offer free healthcare without relying on unfettered capitalism to "work".

>unnecessary work

With capitalism as the driving force, anything unprofitable becomes unnecessary. Probably goes without saying, but focusing on profitability likely won't drive the best healthcare outcomes.