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it's hard to afford emergency massive payments.

It's a cycle, the reason emergency costs are so high is because they over-charge insurance companies. Just tell them you don't have insurance and the cost goes down 50 - 80%. If insurance payments were put into a health savings account and any visit to the clinic or hospital was discounted, medical bill hardship would be a thing of the past. Also if medical equipment and knowledge wasn't "gatekept" and available to the public, we wouldn't need to rely on clinics and hospitals nearly as much, only for actual emergencies!

The problem here isn't insurance as a concept

Insurance used to be only for large corporations or the extremely wealthy. Now, even the poorest among us are expected to have some sort of insurance. Insurance as a concept wasn't intended for every citizen, but now it's nearly mandated.

Insurance works best when everyone is paying into the big pool of money. The more healthy people paying in, the more that's available for the people who need it.. so I absolutely agree that the poorest amongst us should have insurance because honestly I think they'll get more benefit than those that can afford proper rest, nutrition, preventative measures, etc.

I honestly don't know enough about the medical industry to know how much knowledge and equipment is gatekept versus the need of expertise and other emergency equipment. I imagine it's a case of 'its fine if everything is going well, but if things go badly you'll want the experts and facilities'. I sincerely don't know how much is profit-driven versus how much is better for community health, that's why I think the profit motives are the bigger problem than the concept of insurance.

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