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this post was submitted on 23 May 2026
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Chapotraphouse
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That would sort of be the point of insurance, wouldn't it? To pay an inflated rate when nothing happens to you, so you can still afford treatment that would be impossible to afford without insurance.
I don't think you're wrong in the sense that this is (mostly) how the system works but treating health insurance like any other kind of insurance is exactly why it is so expensive and unwieldy.
~5% of your lifetime income for guaranteed, full coverage would ultimately not be a bad deal imho.
I know that's not the actual reality of the American healthcare system.