#and with stuff like aforementioned car insurance if someone's a riskier insured (ie a reckless driver)
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Working in the insurance industry and getting a better idea of how it works and it's becoming clearer and clearer how bonkers it is that the healthcare system in this country is insurance based
#martian ramblings#i don't work in health insurance so I don't have any clarity from the inside of that#i work in professional liability insurance#entirely different#because the way that most insurance works is that the things that are insured are expensive and unlikely#ie you pay a little money each month to insure your car and probably won't get into a car accident#but if you do get into a car accident you won't be out tens of thousands of dollars to rectify the problem#(buying yourself and/or someone else a new car buying a rental or paying medical expenses/time missed from work)#but health insurance is weird because you will need to go to the doctor#it's incredibly likely#its how aging works#and with stuff like aforementioned car insurance if someone's a riskier insured (ie a reckless driver)#you up their premium costs#(or stop insuring them)#but with medical stuff it's illegal and morally bankrupt to not cover someone for being at a higher risk of medical conditions#so it really makes no sense for healthcare to be insurance based#it'd be like if your car insurance also covered car maintenance#which would just bloat insurance costs and result in car maintenance and repairs not being done promptly
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