@cjd @lain @WorkingFamilies
I'm not sure insurance model is even fit for healthcare. In general insurance exists to spread out losses from force majeure over a large pool of people/companies but it acts by compensating via calculating damage/loss of profit based on existing contracts. While a person's health is lot more complex than any contract and there are too many subjective variables in medicine. Doing insurance there would lead to awful lot of perverse incentives.