It's nowhere near as much of a problem when there can be a specific cause of loss with a well-defined date. I'd say the fundamental problem is that healthcare c

It's nowhere near as much of a problem when there can be a specific cause of loss with a well-defined date. I'd say the fundamental problem is that healthcare consumption doesn't really lend itself to being insurable due to this and a few other qualities. So as the government keeps pushing more nonsensical top-down policies trying to make healthcare fit into an inappropriate model, the market gets ever more distorted and the perverse incentives continue to grow.