> Without an alternate disincentive The problem isn’t (IMO) an insufficient disincentive — it’s lack of a credible alternative. I have perfectly fine insurance

> Without an alternate disincentive The problem isn’t (IMO) an insufficient disincentive — it’s lack of a credible alternative. I have perfectly fine insurance, and getting an appointment for a merely slightly urgent issue is a pain in the rear. If I’m traveling, it’s almost impossible. COVID made this all worse. Last year, I saw a resort clinic (well staffed by assorted medical professionals) turning away anyone with any symptoms of illness and sending them straight to the ER (10 miles or so away through the snow) because they “might have COVID”.