An alternative to health insurance

Problem: I received a renewal notice for my health insurance this week, and I got to thinking that the state facilitate health insurance in a manner that takes choice away from the individual [insurance companies only deal with certain hospitals/procedures etc.], that perversely has a loading on companies who insure younger people (why don’t they do that with car insurance and let older people subsidize young male drivers!?) in order to make the system ‘fair’ and lastly, that drives millions of Euro into the the hands of providers while creating an additional layer of administration in the health care system itself (none of which goes toward actual medicine or nurses/doctors).

Why doesn’t everybody have health insurance? While the papers will extol the issues of people who can’t afford it, the reality is that many people who are not covered opt not to take it out. They aren’t all bullet-proof 19 year old males with nothing to lose either, many simply don’t see the point, or they haven’t seen the need, taking out ‘insurance’ is perhaps the wrong approach.

Solution: Let …

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