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this post was submitted on 19 Jul 2023
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Because people would rather pay $10 to punish other people than get $5 refunded.
It's a gamble, too. One ICU visit would cost you more than you'd ever pay in taxes for universal health care. Insurance wouldn't be necessary, so that $300/mo that covers your family would stay in your pocket.
BUT, there's the tiny chance that you and your loved ones are super-human and will never have to pay for medical care beyond a cold or cough every few years. Then you can really stick that in the faces of poor people!!
It's so stupid because people who have health insurance are handing over that money to a company where the profits help no one as opposed to the government, where the profits would help other people. It's still a gamble.
Insurance has effects on prices that health providers charge. I wonder if that ICU visit would be as expensive if there was no game to play with insurance and they would be guaranteed to be paid. If I (a for profit corp) knew X% of my customers would only end up paying 25% of the price or less, likely after collections and/or insurance paid some, I'd probably jack my price up, too.