Part of the reason health insurance is so expensive is what we expect it to do.
If car insurance worked like health insurance, it would pay for your oil changes or at least fix a transmission.
If homeowners insurance worked like health insurance, it would paint your house.
It might sound good, but how much would that cost? These things cover catastrophic, or at least major, losses -- theft of a car or death in an accident, houses that burn down or lose a roof.
If health insurance didn't have to cover fertility treatments, acne medication, and viagra, it would be much more affordable. If we pay for our own minor illnesses (e.g., pink eye, ingrown toenails), it can be cheaper still.
Make it pay for everything for everybody, and even government won't be able to afford it.
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