PJ Media

I agree completely. Having health insurance cover annual checkups is like having car insurance cover annual tune-ups. It doesn’t make sense to insure a sure thing. The insurance company will increase the premium by the amount of the checkup, plus expenses. And you are right about Elmo generally. Perhaps it makes sense to require Elmo to have catastrophic coverage. But the schemes in play now are little more than a regressive transfer of wealth from the young (on average relatively poor) to the old (on average relatively rich).