this post was submitted on 19 Jan 2026
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[–] julianwgs@discuss.tchncs.de 17 points 5 hours ago* (last edited 5 hours ago) (3 children)

Please don‘t extrapolate from the US healthcare system to insurances in general. Insurances collect money from many so in the case something happens to an individual that individual doesn‘t need take the full financial loss. This makes a lot of sense, because it would very inefficient if everyone would save money in order to pay for a potential cancer treatment. Cancer is rare, but in aggregate it is just small amount each month.

The job of the insurance is to define that monthly amount (which is not trivial to do), collect it, store it and eventually pay it out.

On another note, unless an insurance is mandatory you can usually opt to pay yourself.

[–] lightnsfw@reddthat.com 4 points 1 hour ago

That is the job of the government. Everyone needs healthcare to one degree or another. If we're all going to be pooling money anyway it shouldn't be filtered through a for-profit system first.

On another note, unless an insurance is mandatory you can usually opt to pay yourself.

No I can't. Everything is too expensive because insurance being involved has inflated the costs.

[–] stickly@lemmy.world 2 points 1 hour ago* (last edited 1 hour ago)

Anything critical to the life of an individual citizen, like health and home insurance, should be publicly run. It just doesn't make sense for a private company to manage that because their profit motive is in direct opposition to the individual (i.e. they must fight claims and inflate premiums to increase revenue).

The state loses money anyway if the person is homeless or destitute so they might as well pay out. Yes there are still agents to manage funds and adjust claims and set rates but they're now operating as impartial public servants instead of antagonists.

[–] prole@lemmy.blahaj.zone 1 points 1 hour ago

Sounds like communism to me, son.