[klyrs]

Several studies have shown that asymptomatic infections may have long-term impact. The valuation may be taking that into account -- you might not get that bill today, but maybe you (or your insurance) will pay that over the course of your lifetime

[liability]

> Several studies have shown that asymptomatic infections may have long-term impact.

To the tune of tens of thousands of dollars on average? That's not plausible.

[jbeam]

Sure it is. If 5% of asymptomatic cases require care that costs $200k, you come to $10k a person. This is entirely plausible in the US, particularly if you are amortizing the cost over the lifetime of the patient.

[liability]

Can you cite any paper that suggests serious complications for asymptomatic patients is anywhere even remotely close to 5%? All I've seen is a handful of rare anecdotes, nothing to suggest it's a remotely likely outcome.

[klyrs]

You're looking at actuarial estimates. Overestimating unknown-unknowns is more pragmatic than underestimating them. No, the article doesn't show how that particular sausage is made; we're all out here guessing.