You cannot know what you will need, but to leap from that and say that you cannot make an informed consumer choice is a huge and incorrect leap. Actuaries know

You cannot know what you will need, but to leap from that and say that you cannot make an informed consumer choice is a huge and incorrect leap. Actuaries know, in aggregate, what specific demographics will need. Insurance companies use those statistics to make profit. The view that consumers cannot make informed choices on healthcare needs is incompatible with the fact that risks are not perfectly and uniformly random. Unless, by “informed choice”, you mean one that is correct in hindsight, in which case, I agree.