I think insurance is nothing but a serendipitous, temporary alignment of finance, levels of information availability/tracking, and the fundamental right of all

I think insurance is nothing but a serendipitous, temporary alignment of finance, levels of information availability/tracking, and the fundamental right of all humans to life and health. Right now, despite their best efforts, insurance companies are still fairly limited in their ability to discriminate and exclude certain swathes of people from access to affordable healthcare. Once they manage it, they become useless to us as a society. Ideally, we as a society want all of our members to be able to see a doctor when they are sick or injured. Ideally, insurance companies want to exclusively insure people to whom they will never need to pay out. They optimize their profit margin to be essentially 100%. Which then makes them a leech, and they're probably a leech well below 100% as well. (To be fair, since the system is completely inhuman, individuals will also play the same game and try to leave the risk pool if they are sufficiently low-risk.) So, there will come a time when we have to either give up any facade that we value human health intrinsically, or we must stop using private insurance as the primary method of ensuring it (no pun intended).