> Insurance is not supposed to make routine things more affordable. It's supposed to spread the risk of catastrophic loss from unlikely events around to a large

> Insurance is not supposed to make routine things more affordable. It's supposed to spread the risk of catastrophic loss from unlikely events around to a large group of people so you don't have to worry about losing your house if you get struck by lightning. Everyone needs routine medical care at some point so an insurance model doesn't work there. And this is why all of our heated political debates go nowhere in the US. You have Democrats ranting and raving over how they want to provide health insurance for everyone, even if private companies help provide it. (With their supporters full of sob stories.) You have Republicans ranting and raving over how great it is to keep everything private and allow insurers to not cover everyone. (With their supporters pretending its just "insurance" you can live without.) Meanwhile, its not really "insurance" at all. Its basically a cartel of companies that negotiate a situation where healthcare is effectively unaffordable without them acting as an intermediary.