this post was submitted on 07 Jul 2026
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Should read up on the history of medical insurance, e.g. blue cross blue shield. The idea was that expensive payouts can happen early on during someone's coverage, before they have a chance to build up savings. No one wants that to happen to them, so if everybody is in the pool of people who will pay for coverage, that risk is mitigated by being spread over a large group who only need to pay in a little at any time.
Rich people or institutions who can afford to self-insure don't need insurance.
This original insurance was non-profit. The capitalist insurances are the ones realizing they can choose to only cover people who aren't likely to need payouts, and profit off of the difference between pay ins and pay outs. I also agree this is a morally dubious system.
This particular example makes me uncomfortable because it implies there's some circumstance where someone who couldn't pay the monthly insurance bill would be turned away when they need serious medical attention. Like, I understand the logic of insurance being better than dying here, but it doesn't really change the underlying logic of the situation being 'oh they can't pay we'll just let them die'.
The government should just cover that with standard taxes. It shouldn't even be government insurance where everyone is paying in an equal amount to make it 'fair'. If we have to take more money from rich people than poor people to prevent deaths, just do it. The working class betters everyone. We should be treated well.
The scam in this case where you can't wait / go without / buy cheaper is more rich people trying to find an excuse to not acknowledge how much the rest of society does for them.
That makes sense today; insurance was invented in a different time, by community members self-organizing.