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Dem Governor Vetoes Ban on Surprise Ambulance Bills in Shocking Move
(newrepublic.com)
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But that's not the point of insurance, which is a cost-sharing practice (presumably, ideally) designed so that the person who DOES get the ambulance ride doesn't have to pay for the whole thing themselves and go into financial ruin because of it.
Your argument is profoundly selfish and it's logical conclusion is the abolishment of insurance altogether.