It's like selling fire insurance to someone after the house has burned down. It all sounds full of sweet and lightness but it just places more burdens on those who plan ahead from those who want a discounted ride.
Yes, but people are too stupid to understand this, or they don’t care. They think mean, old insurance companies exist just to take care of them.
Government involvement in health care and insurance is why both are so expensive. If the market had been allowed to work, we wouldn’t have most of these problems. The areas of health care that have little or nothing to do with government or insurance companies (LASIK and cosmetic procedures) are the ones that have had the most innovation, a greater increase in accessibility and quality, and a decrease in costs. Government screws up everything it touches.