> This is how insurance works. The point is not about insurance in general, it’s the isolation of the individual market from the pools of large employers. Yes

> This is how insurance works. The point is not about insurance in general, it’s the isolation of the individual market from the pools of large employers. Yes the healthy will always be subsidizing the rest, but it’s a specific subset of healthy bearing that burden. It’s not the system as a whole. > The US needs a proper public healthcare system. Good luck finding a way to make that happen though. Ban corporate self insured policies so that the risk pools are unified to contain everyone. Eliminate the deduction for offering insurance. Right now the same policy is cheaper if paid by the company as its pretax dollars (vs after tax dollars for an individual policy).