Originally Posted by dippin

And there is no comparison to auto insurance. Auto insurance is for exceptional circumstances (theft, accidents, etc.) and doesn't deal with preventive care and the inevitable issues related to aging. Some people never get involved in a car accident. Everyone gets sick, needs preventive care, and eventually die. A system where it is more efficient to compete by excluding certain conditions and age groups is, on the macro level, less efficient than one that pools everyone.

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