Insurance is the TRANSFER OF RISK.
Insurers are in the business of SPREADING, not TAKING risks. It is not a betting game.
Health Care is a provision of SERVICES that may or may not arise out of a risk (births, marriage counseling, etc.)
Politicians have forced service provisions into insurance contracts to the point that insurers today are basically administrators of service provisions.
Imagine what would develop if politicians were to require standard Homeowners policies to provide coverage for house maintenance, insects in the lawn, horticulutural counseling, etc. maybe even lawncare and leaf removal services.
50 years ago the original Blue Cross concept dealt with Health Care needs, basically prepaid. That too SPREAD the costs over time and numbers of persons.
Until we separate INSURANCE from health care SERVICES, the issues can never be resolved. But, what politically oriented person would want such a valuable issue to disappear?
