The Collective Vs. The Individual

Arnold Kling argues with Ezra about rationing:

In America, about 90 percent of health care spending is paid for by third parties--most individuals do not fend for themselves. He also writes as if those who don't have health insurance do without health care. They do with less than other Americans, but it is not accurate to say that they do without.

My view of the American health care system is that it hardly rations health care at all. That is why we spend so much more than other countries. I wish we put more responsibility on individuals. Instead, we have this delusion that we cannot possibly afford health care if we pay for it individually, but of course we can afford it if we pay for it collectively.