Agreed, Obamacare may need tweaked. The problem is that your Republican friends will not work cooperatively to fix it, their only interest is to kill it. You surely will concede that.<quoted text>
Why do you object if Galt prefers to purchase a policy with a high annual deductible, say $5K or $10K, something not allowed under ObamaKKKare?
Possibly no claims, ever, but protection against a huge bill.
Do you have zero deductible on other insurance?
So if it's all or nothing, the ball is in the right wing court.