There is one aspect of the “health insurance - auto insurance” analogy that is fitting: pre-existing conditions. No auto insurance provider could survive were it forced to cover damage pre-dating the inception of a policy. The fate for medical insurance providers would be the same (but perhaps this is the point).
Insurance does not protect your car or your health, nor is it a maintenance plan for either. Insurance is a financial instrument designed to hedge against the risk of financial loss. Insurance protects your finances against loss resulting from costs incurred by misfortunes befalling your assets (including your personal health).
If the people and their “representatives” are seemingly unable to grasp such a simple concept as the nature and purpose of insurance, why should we be surprised that they cannot understand the nature and purpose of the U.S. Constitution?
More: Publius-Huldah's Blog - Refuting The Bad “Health Insurance – Auto Insurance” Analogy: A Lesson In Federalism.
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