Re "No Insurance Doesn't Mean No Healthcare," Commentary, May 21: Conrad Meier's misguided analysis of healthcare in this country is almost a joke. When he states that more people paying cash for services is a trend, it is not because they want to, it is because they can't afford insurance. Even if you have insurance you do not necessarily get good healthcare. A friend can't get her gynecologist to even return a call, much less make an appointment to see her. My wife, with an $8,000 insurance premium, waits over two weeks for approval of a radiological study to rule out a tumor. I was, unfortunately, in an auto accident. Hospitalized for 1 1/2 days, without any surgery, I was billed over $23,000 dollars, not including doctors' fees and ambulance costs!