Why the Socialism moniker won't work in hurting Healthcare reform

Let's do a brief thought experiment. Close your eyes and imagine that the healthcare bill does not exist. Imagine that no public insurance exists either, no medicare, no medicaid.  Heck, imagine that the U.S. government and their getting into your biznass doesn't even exist. You live in a perfect libertarian nirvana, where a true free market exists (sans labor because we all know U.S. labor can't compete with Mexican labor). There is only you, your doctor, and your private, for-profit insurance company and insurance plan.

Question one: Are you in the doctor's office, the hospital or in the emergency room?

Question two: Are you paying your healthcare premiums consistently and on time?

If you answered no to question one and yes to question two then right now, your money yes YOUR MONEY is being spent on someone else's healthcare!!!!!! Can you believe it??? Those SOCIALIST COMMUNISTS at BlueCross/BlueShield and CIGNA. They've just taken some of your money and used it to pay for grandma's new hip replacement! For shame.

Insurance is a socialist mechanism.  Many people pay a (relatively) small amount of what their costs will be while they don't have a problem. Their house isn't on fire or flooded, they don't have cancer or asthma, their car isn't in a tremendous accident.  These people pay these small amounts of money and most of them don't end up using all of that money.  The insurance company then takes some of that money and tries to make money on that big pile of money but takes the money from the people who aren't using their allocation at the moment to pay for someone else.  When you get sick, someone who hasn't gotten sick, or hasn't been sick for awhile is paying for you.

So...private insurance in a capitalist market is operationally a socialist good.  It pools lots of people together without problems to pay for the peeps with problems. Changing the payer of some of those payments from Blue Cross to the U.S. government does nothing to change the fact that insurance is a socialist mechanism.  Also, the larger the pool the more money you have available to pay for the risk. That's why big insurance pools lower costs because there's a higher ratio of healthy people to sick people.  That means more people are paying for a small amount of people's healthcare, which at first sounds really unfair.  However, the benefit resulting from this large pool means that the risk is diluted enough so that the insurance payment can be smaller per person, thus lowering customers' premiums.

So insurance is socialistic whether you were mandated to purchase it (car insurance and now health insurance) or not (life insurance).