One reason why some people think that we have a legal right to health insurance (note that health insurance is not the same thing as health care) is because the costs for medical care necessary for good health sometimes make people go bankrupt. Does this choice of “health care vs. bankruptcy” in some cases make health insurance a need rather than a luxury?
The thing is, people go bankrupt for a lot of reasons. People go bankrupt because they bought houses or cars they can’t afford. They go bankrupt because they make poor decisions with their credit. Sometimes they just go bankrupt because of bad luck in the stock market. Should the government be insuring all of these things as well?
In general, you can certainly have the medical treatment that you need, possibly at the cost of some financial stability. But if financial stability is considered a need, and not a luxury, then where’s my taxpayer-funded general bankruptcy insurance to cover me in case of poor investment decisions, credit abuse, or bad luck in stocks?
If health insurance is really a basic human right, then does that mean that countries like Ethiopia and Uzbekistan where people can barely even afford to eat should create national health insurance programs so that everyone can get the latest and greatest medical treatment while being taxed into starvation? Forget economic development of luxuries like industry and improved agricultural methods; These people need MRIs!