I'm not sure that I'm the authority on describing current health insurance systems, and if I attempted to describe it here, I'm not sure if I would stand by it

I'm not sure that I'm the authority on describing current health insurance systems, and if I attempted to describe it here, I'm not sure if I would stand by it completely upon further investigation and reflection. My understanding is fuzzy. If I were to read between the lines of your question, I can guess the direction you would want to go with this. My response (and you can treat this rhetorically) for that direction would be: -What's your understanding of the definition of 'direct' vs 'indirect'? -What's your understanding of the definition of 'rationing'? -What's your understanding of the definition of 'immutable'? -Are 'policies' and 'effects of policies' distinguishable concepts? -Does 'cause' differ from 'effect' with your understanding of the concepts? -Do humans have any control (i.e. free will) over their lives?