But… wait… what? Based on you what you say… why do you put money into an insurance system? It sounds like you want to make the most rational choice, but you are working off of a model of insurance that doesn’t make sense.
The maximally effective version, with the least cost, and greatest coverage is one that distributes costs across the largest pool of individuals. Which is a single payer system.
I put money into an insurance system to diffuse risk away from myself.
> The maximally effective version, with the least cost, and greatest coverage
It would be even more effective to just enslave a bunch of people and force them to pay for my healthcare, but I don’t advocate for that because it’s immoral and unfair.
The maximally effective version, with the least cost, and greatest coverage is one that distributes costs across the largest pool of individuals. Which is a single payer system.