There are also cases where insurance works by aligning incentives, to help make early intervention easier. Take health insurance where you get free stop-smokin

There are also cases where insurance works by aligning incentives, to help make early intervention easier. Take health insurance where you get free stop-smoking plans. It makes the barrier for signing up to such a plan much lower, which is good for you. It also makes the chance of people suffering from lung cancer lower, which is good for your insurer.