contrarianarchon

Specifically, I'm confused about insurance companies: People keep talking like coercing insurance companies into covering more health costs and more routine health costs in particular as a good thing in the context of the American health system trashfire. Why? They're for-profit companies, so if regulations demand they spend more money per contract, their only plausible response is to raise the cost of offering that contract? And maybe there's some tangled web of them being obliged to offer contracts to people or employers being obliged to pay for them that diffuses that cost off into the aether but *surely* this checks out to you paying more money or being paid less money because your employer is spending their budget for keeping you around on keeping you properly ensured? 

... also there's a market for insurance on objects which are smaller than the amount of money in your savings account, so like, I guess one of the answers here is "some large percentage of the population just does not grok the transition that insurance is? 

(like the actual answer is public healthcare and I guess that also checks out in notional increased taxes again to the exact same tune of some amount of diffused extra cost, but it's 99% less legible and less accountable if you pass it through a dozen capitalists on the way to you rather than through a government budget-line saying "we spend X million dollars on giving people free dentistry" or whatever?) 

... apparently this blog is about finance now, IDK how that happened