Healthy people, primarily young people, who rarely ever see a doctor and who find it far cheaper to pay cash than to purchase insurance.<quoted text>
There can be no analysis if a citizen is denied purchase.
Who doesn't want medical insurance?
(That is what 80%+ of the country use to access medical care.)
Who are these people who turn down medical insurance?
In advance: F U
Galt has never had medical bills in any year that came even close to approaching the premiums paid (by Galt and his employer) for medical insurance.