To further the definition of insurance beyond Louise's post, insurance implies that you're taking some sort of risk. And "losses [or gains] must be uncertain" according an official definition of insurance. In some interesting comments to a post on insureblog, I took part in a further discussion of the definition of insurance. It's very interesting - check it out.
There are many other variables that need to be changed in healthcare, like usage. As Louise and Justin from HealthFlux pointed out, people shouldn't be expecting their health insurance to provide constant use - like a car, or a house, or food. The real problem is trying to educate people that health insurance is different. I try to point out that health insurance should be looked at like home or auto insurance. But when people disagree, what are the best ways to do that without sounding preachy and providing them with good service?
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