Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Fear of longer waits why government should not pay health insuranceSome people think the government should not pay for health insurance for a wide variety of reasons. Many feel that abuse of the health care system will increase greatly. Others feel that it encourages fraud from health care providers and users.

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According to many people, anything that is free encourages overuse, which in turns slows down service to those who actually need it.

Still others also fear an exodus of quality doctors and health care providers to the private sector, making the system even more elitist.

An even larger number of people fear the increase in taxes that is sure to be felt by the average American as the government struggles to pay for “free” health insurance.

Abuse and Government Provided Health Insurance

Many feel that the examples provided by Canada, and other western nations with universal health care, are indicative of the types of abuse that will occur if the United States were to pay for health insurance for all its citizens. They claim that there is no government that has a good system that is not rampant with abuse.

Such systems are overtaxed in many places because of high demands, often for simple concerns that could easily be dealt with by making a phone call or visiting a pharmacy. Emergency rooms are often used for minor injuries and illnesses that should be dealt with by a primary care doctor. This type of abuse is also already found currently in the U.S. from recipients of free health insurance.

In addition, health care providers have a great deal of opportunity to commit abuse with government provided health insurance. Because of the sheer numbers involved it would be impossible to monitor the payouts and treatment plans of every recipient. Therefore, providers could easily charge for procedures that were never done and unnecessary testing that slows down the system even more.

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Lack of Quality With Government Provided Health Insurance

In other countries where free health care is the norm, more and more private clinics are popping up. This is because high quality physicians and other health care providers feel stifled by the system that is in place. There is limited opportunity for income in such a system.

This means that doctors who excel at their specialty still have to work very hard and spend little time with each patient if they want to earn a fair wage. However, in a private setting they can charge accordingly, so that they can spend a more reasonable amount of time with patients and care for them as they see fit.

With a system where the government pays for health insurance for all, more and more quality providers would opt for private clinics where they can operate as they choose to. This means that even though health insurance is provided by the government, many people would not have access to the best doctors because they would be predominantly in settings where health insurance is not accepted. This would create even greater discrepancies in access to healthcare, because quality would only be available to those who could afford to pay.

In addition, the more the government gets involved in the provision of health insurance and health care, the more control is likely to be taken away from citizens and even health care providers. Rationing is sure to occur and people will not have the option of getting elective procedures in a timely manner, procedures that in many cases could improve quality of life and even extend the life of those who need such procedures.

Increased Burden of Cost On Taxpayers

A major concern of many people when it comes to the idea of the government paying for health insurance is the impact it will have on taxes. Right now many states have very low tax rates and, even in states with higher tax rates, they are still significantly lower than countries where healthcare is “free”.

Individuals realize that they will face a big increase in income taxes in order to fund government provided health insurance. This is especially a concern for middle class Americans, the biggest taxpayers. Therefore some of them are against the government providing health insurance.

If you are in need of private health insurance quotes now, be sure to take the time to learn about the different options available to you and to choose a company that has a good track record. Shop around for a variety of quotes and compare them carefully before making a decision on your health insurance provider.

To get a variety of quotes from health insurance companies serving your area, click on the free insurance quotes tool now!