In a larger sense, insurance only makes sense to cover events that are both expensive and rare. 1. If an event is not expensive, you can just pay for it yourse

In a larger sense, insurance only makes sense to cover events that are both expensive and rare. 1. If an event is not expensive, you can just pay for it yourself. 2. If an event is not rare, then pooling resources doesn't increase your ability to pay for it. Annual physicals are neither expensive nor rare. But the larger problem is, illness isn't rare. People get sick, and we need to stop pretending that this is some unusual thing. I really don't see myself staying in the US if we haven't switched to single-payer healthcare by the end of the next presidency. I probably want kids, and I'm simply not going to bring them up in a country where the government and increasingly, the culture itself, cares more about corporate profits than people. We work really hard in this country just to achieve the same standard of living that people in countries with fewer resources have. Healthcare is, in my opinion, the most egregious example of that. It's stupid, and I don't want to inflict it on my kids.