Characterizing insurance products in the US as a 'benefit of society as a whole' is a charity in and of itself. A large component of the insane costs billed fo

Characterizing insurance products in the US as a 'benefit of society as a whole' is a charity in and of itself. A large component of the insane costs billed for procedures has to do with an unhealthy symbiosis of the medical industry with 'insurance' companies. This massive black hole, much a result of poorly designed regulation, leads to reduced benefit to society as a whole and a system that is not for everyone not today nor tomorrow. If you are thinking of something that is for literally anyone, you are most likely thinking of universal healthcare or some other like system.