Car insurance has capped payouts, and any policy which is considered by the insurer to be too much of a risk would be denied. Unlike a car, health costs are bo

Car insurance has capped payouts, and any policy which is considered by the insurer to be too much of a risk would be denied. Unlike a car, health costs are both unbound, and good health has infinite utility (you'd always be willing to pay as much as you can for good health,) and unlike car ownership, is also a basic human right.