The point was illustrative, adding layers of bureaucracy isn’t free. Spreading costs for catastrophic issues is a valid use of insurance but the’ve inserted th

The point was illustrative, adding layers of bureaucracy isn’t free. Spreading costs for catastrophic issues is a valid use of insurance but the’ve inserted themselves into routine care thus raising costs. Getting a few stitches after a moderate injury is a fairly minor medical procedure, but get medical billing involved and the manpower for billing can dwarf the cost of medical care. PS: Several studies have shown preventive screening in aggregate doesn’t significantly reduce total healthcare costs. It tends to uncover enough additional issues to offset the savings from treating things early.