> You don't have gas or grocery insurance, do you? Some people do have analogous "insurance" for gas or groceries: Anyone with a Sam's Club, Costco, or Amazon

> You don't have gas or grocery insurance, do you? Some people do have analogous "insurance" for gas or groceries: Anyone with a Sam's Club, Costco, or Amazon Prime membership pays a subscription fee so that they can get a negotiated discount on routine, affordable expenses. So, yeah, I guess most "health insurance" could be more accurately called "healthcare buyer's clubs (that also happen to include some insurance)". Unfortunately, we're in the late stages of an economy where the buyer's clubs have eaten the entire market and are free to extract fat margins with little consequence.