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> Insurance is an amazing service I've noticed it's done wonders for your healthcare system

• deleted 1y ago
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• NegativeK 1y ago
  I agree with your disgust with our healthcare, but I downvoted you because your comment is more of a gotcha than fostering conversation.
• jlund-molfese 1y ago
  Health insurance in the US, and other countries, is pretty far from traditional insurance markets where you pay a small amount of money to cover rare, catastrophic events (like your house burning down, or an earthquake). The name might be similar, but the products actually function very differently. Health insurance in many countries covers routine, predictable "losses" like primary care for strep throat as well as long-term "losses" like prescription medication. A lot of this is because a traditional insurance model isn't palatable when it comes to healthcare. You can't really employ price or service discrimination against high-risk people with preexisting conditions, like you can with auto insuring a Ferrari, or home insuring a coastal house in a hurricane zone. Not to mention life insurance! You can't just look assume things work the same way because they have similar names.
• deleted 1y ago
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