Pinko? Please.
Insurance by its very definition is socialism. The business model is to socialize the risk, doesn’t matter what type of insurance it is, that’s what insurance is. You take money from a large enough pool and ensure that the premiums from that combined pool are large enough to cover the statistical payouts needed to cover that pool with enough left over on top to put away for large statitical blips (payouts that affect massive amounts of the pool, hurricanes, contageons, etc) and make a profit.
That’s what insurance, ALL insurance is at its core. The problem with insurance access is that simply put, when you allow an insurer to cherry pick, they obviously are going to reject, or charge rediculous fees to anyone that increased the likelihood of payouts. This is counter the very nature of socialzing the risk, and it leads to the problems we have now.
You solve this by a simple matter called community pricing.
If you are so devout a capitlist that you think I am a communist, then you need to go cancel all your insurance on everything today. Because like it or not, socializing risk is the very foundation of any insurance model.