Well, and in most countries with universal healthcare, the government provides a basic plan, and then those who can afford it buy supplemental policies. It's pretty similar to the way that Medicare works right now. So people get the basics covered, and then they look at supplemental plans to choose the one that best fits their needs and budget. You want a CGM? Choose a plan that covers CGMs. As it stands in the U.S., most people don't have any choice at all with respect to their health insurance. They get a job, and that is their health insurance. Period. Sure, you can leave that job and get a different job with better benefits, but (1) good luck comparing the two plans before you have the job; and (2) in this economy, good luck getting that other job in the first place. And, of course, if you lose that job (or if you get divorced, or if your spouse dies), bye-bye health insurance. Yeah, we have COBRA, but most folks can't afford to pay 105% of their premiums, even on a short-term basis, especially if they've just lost their job. I'm a lawyer, and often times the most difficult part to deal with in the divorces that I do is what to do about the (usually) wife's health insurance needs. Unless she is disabled and qualifies for SSDI, she is frankly often SOL when it comes to health insurance until she reaches age 65. Tying health insurance to employment is just a bad system, resulting in a whole lot of uncovered people, and I don't think we as a country should tolerate that.