> Then there's chronic conditions such as asthma and diabetes, and the question of whether people who've lost that particular lottery should have a permanently

> Then there's chronic conditions such as asthma and diabetes, and the question of whether people who've lost that particular lottery should have a permanently lower standard of living or not. The whole point is that this isn't an insurance question. It's a question of how someone should pay for a chronic condition that may be more expensive to treat than they can afford, in some cases. But that's not an insurance question, because it's not about smoothing risk across states of the world. So talking about how health insurance should solve problems like these is a misuse of the term "insurance", and comparing health insurance to auto and home insurance is misleading.