Yes, thank you for restating exactly what I said. Catastrophic health insurance is actually the only insurance we should want. The concept of health “insurance

Yes, thank you for restating exactly what I said. Catastrophic health insurance is actually the only insurance we should want. The concept of health “insurance” is a misnomer when it’s used to pay for routine, expected care. That’s just pre-paying for services that you must use or you are wasting money. We don’t sell home insurance that pays out for painting your house or mowing your lawn. Home insurance covers you if a fire destroys your house, pools risk, and is pretty cheap. Health insurance should cover disaster. Routine care should have a robust free market, where I can shop around for my allergy shot and MRI. This already happens for some big ticket procedures such as knee and hip replacements, where foreign hospitals compete directly with US hospitals, and even domestic competition between states.