I wish they had included another option in the survey. What if you were given a lifetime of free health insurance in lieu of cash? This way, some organization (

I wish they had included another option in the survey. What if you were given a lifetime of free health insurance in lieu of cash? This way, some organization (the govt, AMA, some independent trust) could create a large, insurable pool of all kidney donors. This scheme would work around the problem of moral hazard in both directions. On the Donor side, donors get a substantial financial reward but not in terms of cash. And if it's true that most kidney donors will live healthy lives on par with the general population, then this pool is no riskier to insure than any large company. In fact it might be a lower risk pool than the general population because the process of selecting the donor candidate involves intensive medical checks. Basically kidney donors are likely to be a healthier sample of the general population than random selection. On the recipient/govt side, you get better outcomes for a larger number of kidney patients (and thus save lots of money on very expensive Dialysis costs). Financially, recipients (or their insurance providers) can be charged enough to cover the insurance premiums on the pool of donors without encouraging a black-market of organ donations. It's most likely a win for Insurance companies too since they have to foot a large part of the dialysis bill too.