>You insure yourself against exceptional things. Yet we use insurance for our yearly flu-shot, hardly exceptional. Insurance makes it free to get a flu shot be

>You insure yourself against exceptional things. Yet we use insurance for our yearly flu-shot, hardly exceptional. Insurance makes it free to get a flu shot because it makes everyone healthier and lowers their expenses. Similar to how you get a discount on car for installing a theft prevention device. Insurance isn't just about insuring for exceptional events either. It results in a better allocation of resources. By incentivizing reducing risk to reduce premiums. Insurance is also a huge boon to providers who would otherwise need to spend much more time pursuing non payment, or entirely deny services to financially risky patients. And then this goes back to the outcomes for society at large.