I just dont understand the legality issues of it.
I have made the choice to live without health insurance for the past 8 years. Its just cheaper to pay the doctor out of pocket than to pay a huge health insurance premium, huge deductibles, co-pays, etc.
I had emergency throat surgery 2 years ago. The bill came to 18k. I told them that I did not have insurance and that they would have to allow me to make payments. Suddenly the bill was knocked down to 6k with a 50% discount for immediate payment. I wrote them a check on the spot.
That $3,000 was cheaper than a deductible and the monthly premiums that I would have payed up until that point.