[chasing]

Young people get sick and have accidents, too.

If life was perfectly predictable then, yes, insurance wouldn't have much of a point. But alas.

We all pay in a bit and those of us unlucky enough to need a huge amount of help can have access to the resources they need. Hopefully that will never be you! But as they say: The reward for a long life is to get to experience the decay of your own body. Good health is temporary for all of us.

That said, you're right: Single-payer would be a huge improvement. Let's do that.