At what point do you draw the line for people being responsible for their own well-being?
Part of the process for approving an organ transplant includes financial approval. If a family is unable to pay for the costly procedure or the lifetime drug supply afterward, they aren't placed on the transplant list. Depending upon their condition and the organ they need, they WILL die. Tough reality, but that's how it works.
If a transplant patient fails to take their immunosuppression medication and their organ is rejected, they will not be listed for another transplant until they can demonstrate through lab testing that they take their medication regularly. Two strikes and you're basically out. They may end up dying because of their mistakes.
A woman comes to the ER driving a nice car, wearing expensive clothing, and clearly living well beyond her means. She doesn't have health insurance. Does she deserve charity treatment?
There must be some compassion in medicine. There are people who truly cannot afford medical treatment, and for them they should receive their care for free. For many, though, that's not the case. They simply wanted to use their money on other things rather than health insurance. Why should we, as a society, pay for their decisions? I know it's crude and, to a certain extent, cruel, but these decisions ARE made on some level. Whether it's the poor who don't receive treatment or the policyholders whose pre-authorizations for medically necessary procedures are denied, someone will not be treated. There are simply not enough resources for everyone to get the care they think they need and use the system as they currently do.
I would recommend the book Who Killed Healthcare? (
http://www.amazon.com/Who-Killed-Health-Care-Consumer-Driven/dp/0071487808) for a good look at how a market system might be effective in reigning in health care costs.