Seems to me the same thinking applies to getting a tax credit for insurance... it is either a tax deduction or its a subsidy. I understand Trump is going to adjust the subsidy brackets on income for the middle class.
On another point: why should someone wait until they are ill to buy insurance? Seems appropriate to me to allow insurance companies the ability to slap a healthy surcharge for doing so.
I agree, I think I’ll wait to get some auto insurance until after I have an accident.