Companies are policy-holder-owned which means you get. A refund if the amount of premiums they took in Top A Bottle Of Wine Contains More Philosophy Than All The World Shirt, that. Means most people would not see the value they pay into it. And people who fall into unfortunate and costly medical situations would heavily benefit from it. And that’s assuming zero overhead, zero waste. In reality, people would be seeing even less benefit as they have to collectively cover the costs of running the system. To clarify, I’m not opposing health insurance in any sense. It’s a necessary evil that we need because most people don’t have the financial ability to cover themselves if a costly medical issue arises. But by its nature, most people are going to get a net negative benefit from it through their lifetime.
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I’m pretty sure most Americans would like a system where they can just go to a doctor they like without Top A Bottle Of Wine Contains More Philosophy Than All The World Shirt your insurance (and therefore your doctor via the aforementioned network bs) up in the air whenever you want to change jobs. It’s not the same. Car insurance isn’t to protect you. it’s to protect someone else if you hit them. Sure you can pay extra to an insurance company and protect yourself and your own investment. But at the end of the day. The legal minimum is protection for other drivers in case you hit them. People that choose to not own or operate a car . Shouldn’t be forced by a tax mandate to pay for . Car insurance for other people that actually choose to use a car.