[hikawaii]

The right way to think about this is that right now, "health insurance" is a subscription service to Healthcare, and is treated like one.

The problem is that due to highly variable costs between people, everyone has to play games to try to sucker everyone else into paying their fair share, because if they don't, they don't get paid at all.

Reworking health insurance to be insurance would fix this. HSAs are a step towards this, but not enough of a step to start seeing consumers actually change behavior based on price.