[antisthenes]

Actually that's not what makes it expensive. It leads to too many people making very poor health choices and becoming obese or engaging in palliative care to eek out 2 more miserable weeks of existence at enormous costs to healthcare providers.

Young people, and especially young, healthy people are the ones subsidizing the elderly and the unhealthy, including most of those who are unhealthy by choice through poor decisions.

> The point of insurance is to distribute risk

Perverse incentives. Insurance needs to be structured in such a way as to incentivize people to take part in preventive care, which costs a fraction of treatment and palliative care.