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> Ok, let me be more precise. The universal healthcare system which pays for the large majority of healthcare costs in most developed countries does not work as
by chimeracoder 9y ago
> Ok, let me be more precise. The universal healthcare system which pays for the large majority of healthcare costs in most developed countries does not work as an insurance (it’s paid by taxes or compulsory affiliation unrelated to actuarial risk)
As pointed out at the beginning of this thread, even in the US, health insurance is "insurance" in name only. Premiums are not set by actuarial risk (with the binary exception of smoking status).
That was the whole point of this subthread: there is no such thing as "actual healthcare insurance", because actual insurance is not a model that's applied to healthcare in any OECD country.
- kgwgk 9y agoI don’t disagree. Healthcare insurance in the US is a fiction (especially now that catastrophic-only coverage is not an option). But other countries don’t even have this fiction of lives being saved by healthcare “insurance” because the one saving your life is the NHS, etc. When mschuster91 said that insurance is the only ethical model it was not clear to me if he meant “insurance as in the US which is insurance in name only” or insurance as in “the model used in other countries which is not even called insurance”, hence me question.