The ideas "medical insurance" and "medical care" should not be conflated. Insurance is a policy against rare, but devastating events. For everything else, a con

The ideas "medical insurance" and "medical care" should not be conflated. Insurance is a policy against rare, but devastating events. For everything else, a consumer is expected to pay retail prices or take out a subscription plan. Consider the case of car insurance. Do you think you'd need to have an insurance company to pay for oil changes, flat tires or car wash services? If there is a broad policy where the insurance company is obliged to pay for everything, costs would tend to go up because the consumer is suddenly out of the loop (he doesn't have to economize). The other strange idea is ensuring "pre-existing conditions", which is used as an avenue for free healthcare. At the very least don't call it insurance.