this post was submitted on 10 Sep 2024
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Pooling everybody's money so that the ones who are unfortunate get money to help with their situation definitely is a product. Just because you don't understand something doesn't mean it doesn't exist.
Healthcare isn't something that only the unfortunate need. Healthcare is something every person needs. If you live long enough, it will be costly. This is why insurance as a concept is fundamentally unable to handle healthcare. It is antithetical to the concept of insurance.
This is why if you start paying for a healthcare insurance at an older age, your premiums will be higher. They are pretty good with the math there, and it's not even very advanced math.