Same way it pays for car wrecks, house fires, ships sinking, satellites lost, etc etc. The world is awash with examples of the free market correctly pricing ins

Same way it pays for car wrecks, house fires, ships sinking, satellites lost, etc etc. The world is awash with examples of the free market correctly pricing insurance. Give people cash vouchers for insurance, ramp up the tax rate so that the rich have to pay it and then some back. Let people buy their own insurance. Do some government re-insuring for companies that get hammered with too many sick people or go under. Done.