That’s not what I’m saying at all. I’m saying as a society/country/large group of people, we are choosing to pretend to offer affordable healthcare options, bu

That’s not what I’m saying at all. I’m saying as a society/country/large group of people, we are choosing to pretend to offer affordable healthcare options, but in reality using specialty products designed for relatively wealthy and healthy people as a mainstream option. For financial/healthcare situation described, we need a true affordable option, not an exotic instrument. As a society we did the same thing with exotic mortgages and pretended they were affordable.