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People think of 'health insurance' as a 'medical services subscription'. Why can't we just market it as such then? Alot less bullshit involved that way.
by elai 18y ago
People think of 'health insurance' as a 'medical services subscription'. Why can't we just market it as such then? Alot less bullshit involved that way.
- tptacek 18y agoBecause healthy young people wouldn't buy the subscription, and the risk pool would be flooded with high-risk people, and the system would fail. Wikipedia: "adverse selection". There's also no such thing as a free lunch (which is why dental insurance sucks) --- if you know you're going to incur an expense, and your provider knows you're going to incur an expense, nobody is going to "insure" you out of it; you're going to pay one way or the other.