If we need not insure our health,
As now one U.S. judge decrees,
Why must we also squander wealth
On automobile policies,
At least before we’re sick or hurt?
The answer is: we’d lose our shirt.
When drivers who aren’t covered crash
Into your brand-new Cadillac,
State Farm advances you the cash
But like casinos gets it back.
Just as you’ll never beat the house,
In time, insurers win your blouse.
The premiums increase sky-high
For hospitals—then you and me,
Each time the E.R. can’t deny
Uncovered deadbeats, though they be.
When some folks’ needs for care abound,
We’ve got to spread the costs around.
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