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I wonder who Mr. Collier would like to fall through the cracks. I pay $350 a month for individual health insurance, my knee replacement cost me $9,000 out of pocket, and friends tell me I'm lucky that the insurer didn't drop me for costing them money. Friends in other states tell me I'm lucky to be able to buy health insurance at all. Am I supposed to fall through the cracks?

Mr. Collier obviously doesn't want his wife to fall through the cracks, and how nice for him that they received charity rather than a bill he'd be paying off for the rest of his working life. Should I fall through the cracks if my osteoarthritis makes another joint replacement necessary and I can't come up with the out-of-pocket expense (plus self-employed people don't get sick leave or sick pay!)? Keep in mind that the surgeon wants cash up front; he's had too many patients unable to pay him after he's done his part. Should somebody who makes $15,000/year and can't possibly pay insurance premiums of $350/month, not to mention all those out-of-pocket amounts, fall through the cracks? Is this guy a freeloader if he gets charity, too, when he gets cancer? And keep in mind that his and Mrs. Collier's charity are paid for by higher bills for you and me.

As a long-time self-employed person (and health insurance buyer), I wish I had access to "Medicare for All." I suspect never before in history have so many people looked forward to their 65th birthdays.