I completely agree with your assessment and logic, but the parent posted suggested that socialization of healthcare (e.g. ObamaCare) is contributing to auto rates. That I don't understand.
Looking again, I think their comment can be parsed in multiple ways.
> Socialize healthcare as it is forcing all sorts of market distortions in unrelated markets
I interpreted that as a call to socialize healthcare, not a description of market effects that "socialized healthcare" has to the extent that exists in the US.
