General Verrilli offered up the primary reason so many people can’t afford health insurance.

He said that “insurance has become the predominant means of paying for healthcare”. That is not what insurance was designed to be. Here is the definition:

in·sur·ance   [in-shoor-uhns, -shur-] noun
the act, system, or business of insuring property, life, one’s person, etc., against loss or harm arising in specified contingencies, as fire, accident, death, disablement, or the like, in consideration of a payment proportionate to the risk involved.
coverage by contract in which one party agrees to indemnify or reimburse another for loss that occurs under the terms of the contract.
the contract itself, set forth in a written or printed agreement or policy.
the amount for which anything is insured.
an insurance premium.

How much would auto insurance cost if it were required to “cover” such losses as gas, oil changes, wash, wax, dings and etc. ?  Would the Prius driver be happy paying the same premium as the Hummer driver?