Well, this is a pretty easy question to answer. If you actually go so far as to say, lets abolish all forms of insurance. That would only allow people to self-insure. Self-insuring against catastrophic illness/injury requires $1-5M, depending on how much costs went down by replacing the highly inefficient 3rd party system we have now with a pure competitive market. That means that something like 90%+ of people would who end up in a catastrophic situation (this is a small group, but could be anyone), would not be able to afford the care they need. Everyone would have to make sure to set aside $1-5M, just in case they got really sick/injured, not for living expenses, assuming there is absolutely no other system other than self-insurance in place. Not a very workable situation.