First, no one should be forced to pay more for their health insurance based on their lifestyle.
No one should have to pay for the choices others make with full knowledge of what it can do to them.
That's just plain human indecency. The stories also reflect insurance companies, not physicians.
A pure capitalist system would not provide services to those who can't pay. It's actually part of the definition. You pay for a service or product. M'kay? If you don't have your cash or credit card in a store--too bad. Why would a hospital be different in a pure capitalist system?
there was far more charity care provided before medicare, medicaid, and the massive insurance industry
Yes, and there still were several cases of people who couldn't pay for their care even under the system you mentioned.
If you couldn't pay at the time, something would be figured out.
Still happens today under either system. Something would be figured out? How much, 100% of the time? No. And heck, that sounds like evil socialism to me.
As for your insurance horror stories, to me those don't reflect any kind of political agenda (capitalist, socialist, corporatist)
No. Apparently you are not familiar with the ERISA act. Cases like this actually have gone to the Supreme Court. In their rulings the SCOTUS actually stated they felt the insurance company was ethically wrong, but the legislation clearly pointed that HMO companies are a workman's benefit, and workman's benefits cannot be sued. Therefore, the HMO was free from liability, even if what they did have a hand in a bad outcome and would not provide coverage even against the recommendation of the treating physician. The SCOTUS even gave a hint to the legislative and executive branches that this was out of their league, but within the league of the other 2 branches, but to date those branches haven't taken action yet.
If a person wants to be fat and lazy then all power to them.
And if they have to pay higher fees, fine, so long as they, not I pay, for them. Just like in the spirit of capitalism, I should not have to pay for the choices my neighbor makes, but for the choices that I make.
I completely disagree that a free market system would force doctors to not give care
There will always be someone willing to give free care. The problem here is that the doctor willing to give the free care might not be around at the right place and time for someone who can't pay for it.
M'kay, sure. Under your logic----
When the completely free market system comes out, I'll take the insurance plan for those that did what they could to take care of themselves, including those with genetic disorders who had no control over that issue.
You can take the insurance plan where people have the "right to be fat and lazy." You pay for someone's CABG after he does not follow any of his doctor's recommendations to excercise, quit smoking and take a statin.
I don't think anyone has the right to be fat or lazy when it imposes costs on others, but that's just my opinion. Maybe a new Constitutional Amendment? "We the People of the United States feel it is the right of all American citizens to be fat and lazy....To that end, if someone cannot afford to pay for their Spam, the government shall provide it to them. If they do not want to work, then the government shall provide their needs."
The reason why I debate against a completely capitalist system is because in the past (if you've actually read up on the history of insurance companies) they did offer plans only for the "healthy" and intentionally excluded those that had genetic disorders that had no control over that condition. These were unregulated, and thus within the definition of free-market-Capitalism.
If you've actually read the Wealth of Nations, Adam Smith said these problems will happen, and for that reason pure Capitalism would never work. Yes, the founder of Capitilalism said it cannot go completely unregulated. There had to be government intervention concerning monopolies, cabals, and when the almight profit became more important than what most would consider ethical. Capitalism, while impressive, is not an end all be all, even in the eyes of it's founder. Those that think it is are more for a dogma than practicality. Just my opinion.
Oh and by the way, enjoy the free-market ads for cigarettes placed in children's schools and the reintroduction of child labor if the market were to become completely and totally free. Cigarette marketing targetted to kids in several countries outside the US is rampant (e.g. the Phillipines). But oh no, if it's made illegal, I guess then those countries embrace socialism.
http://www.cigarettesflavours.com/smoking-facts/health-philippines-young-lives-up-in-smoke/