[TheAmazingIdiot]

Insurance companies make more money if they refuse payment.

I've always liked the old Chinese medicine system. You find a doctor who is willing to take you as a client. You pay the doctor money per month when you are well. If you are sick, you do not pay. Of course, refusing treatment is acceptable to get you disqualified, as are a few other things.

[tylee78]

nice system! sounds like it has a market principle built into it...

[brazzy]

Except it breaks down completely when there are expensive drugs and procedures.