Comment by danans

> Isn't "stuff that most people can't afford but would help with healing" the stated purpose for health insurance?

You are confusing "health insurance" with a "system that guarantees healthcare as a human-right". Those are different things.

The purpose of health insurance is:

- To constrain healthcare coverage to the minimum allowed by law or the plan contract, therefore maximizing profit margins.

- To provide a shared risk coverage pool to pay for treatment for catastrophic health events that are unforeseen.

- To provide a product to be used as leverage by employers over employees as part of the "benefits" of a compensation package.

Healthcare as a human-right doesn't exist in the United States unless a health situation has gotten so bad that you end up in the emergency room, which is then legally required to provide you emergency healthcare.