This is exactly the root of the issue with medical "insurance". We know that everyone will need medical care at some point. Insurance models work only in circum

This is exactly the root of the issue with medical "insurance". We know that everyone will need medical care at some point. Insurance models work only in circumstances where the policy is rarely used; the concept is that everyone wants to be protected in case this rare, almost anomalous event happens, so they're all willing to put up a small payment to pay for that coverage in the extremely unlikely event that it will be utilized. However, in today's society, medical care will be needed by everyone at one point or another, and many people will need it consistently or in large amounts. Insurance is absolutely the wrong model for something with this kind of usage pattern. The insurance industry is notorious for its antics precisely because they're one of the only industries that can only make money when they don't provide the service you're paying them for. The fact that medicine is so widely used makes this especially egregious with regard to medical insurances. They'll do anything they can to deny your claim because aside from basically accidentally having a healthy group of people in the insurance pool (due to the way corporate policies work, and the new health legislation), denying claims is how they make money.