I've worked in insurance for almost a decade (P&C), and I believe what the U.S. calls "health insurance" is a travesty. "Insurance is a means of protection fro

I've worked in insurance for almost a decade (P&C), and I believe what the U.S. calls "health insurance" is a travesty. "Insurance is a means of protection from financial loss. It is a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss" Insurance should never be used for something CERTAIN and inelastic such as healthcare. For specific health risks, sure, but for standard care? It makes absolutely no sense. I don't know how the U.S. can fix its healthcare crisis, but it's an absolute disaster. Other countries don't have 48k allergy tests.