I like that car analogy, because it also helps demonstrate the other way in which health insurance is fundamentally broken with respect to other insurances. Wi

I like that car analogy, because it also helps demonstrate the other way in which health insurance is fundamentally broken with respect to other insurances. With car insurance, if someone wrecks my car, I get a check for the repair bill and the transaction is complete. However, if car insurance ran like health insurance, the insurance company would pay for a rental vehicle and leave my car totaled. If I ever drop my insurance, they'd take away my rental car and leave me with just the old wreck. There's no plan to make me whole again. Granted, health insurance companies don't give out rental bodies. However, with other types of insurance, an adverse event (e.g. house fire, car accident) leads to an insurance payout that covers your loses. However, with health insurance, an adverse event (e.g. cancer diagnosis) just leads to a piecemeal payment of health expenses while you remain on their policy. If your policy ends, they don't have to pay for treatments on an event that occurred under their policy. If we really want health insurance to act like catastrophic insurance, then it really needs to act that way. If I get diagnosed with cancer, I shouldn't get treatments covered on an annual basis as long as I am a member. Instead, the actuaries should calculate an average lifetime cancer treatment cost and I should be sent that as a check. It's then my responsibility to pay for that treatment. This would be a far more economical system, but it requires that health insurance companies start paying for health expenses that are incurred under their policies, just like every other form of insurance.