If you are interested in law or rhetoric at all, you really should go and read or listen to the entirety of Paul Clement's performance before the Court today. But in the meantime, here is a quick exchange where Clement gently explains to Justice Kagan the difference between insurance and credit:
JUSTICE KAGAN: "Well, doesn't that seem a little bit, Mr. Clement, cutting the bologna thin? I mean, health insurance exists only for the purpose of financing health care. The two are inextricably interlinked. We don't get insurance so that we can stare at our insurance certificate. We get it so that we can go and access health care."
MR. CLEMENT: "Well, Justice Kagan, I'm not sure that's right. I think what health insurance does and what all insurance does is it allows you to diversify risk. And so it's not just a matter of I'm paying now instead I'm paying later. That's credit. Insurance is different than credit. Insurance guarantees you an upfront, locked-in payment, and you won't have to pay any more than that even if you incur much great expenses."