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Outside the Box: We must replace Obamacare with a moral, workable system

As one of the lawyers in the vanguard of litigating against Obamacare in the courts back in 2010, I have long maintained that it sounded the death knell for private insurance in the health-care industry.

That’s because insurance only works when coverage is bought before your car crashes, or your home floods, or you get really sick. If we can wait until disaster strikes and then purchase that coverage at the same price anyway, why would anyone in his or her right mind buy it in advance?

Obamacare’s answer was to force us all to buy coverage whether we want it or not — the so-called individual mandate.

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