Fair point. I was confusing/merging health insurance and some generalised form of 'health coverage' in my last post. Even in a situation with no uncertainty, y

Fair point. I was confusing/merging health insurance and some generalised form of 'health coverage' in my last post. Even in a situation with no uncertainty, you can still have forms of personal health insurance, e.g. you have a system where everyone is enroled, everyone pays and everyone gets the same cover. The collective benefits of insurance still apply, even if one individual's outcomes and costs are known. Whether this system counts as 'healthcare insurance' or it is now a 'national health service' just depends on how you want to name it...