Car insurance is comparatively a lot better. Let’s realign health insurance to a national model like car insurance. Buy what appeals to you.
But our elected representatives refuse to allow that option. Because government doesn’t work for us. It works for lobbyists.
Yes but there are cars that can’t be insured due to condition, danger, etc.
You will have to allow insurance companies to refuse people (or set very high premiums!) whose behavior has too damaged them to insure. Who makes that decision, what’s the parameters and are the conditions nation-wide, state-wide or local. It would be a very hard sell!
This is the old Obama Care insurance pools where the government tried to force high risk populations drug users, gays (high AIDS numbers and other STDs!) as well as the high health risk urban populations into “normal” populations. Not doing it and the screams of discrimination will drown out all actuarial table logic.