The Problem with Health Insurance

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"Medical career workers hear constantly about the poor state of health care coverage in the United States. We hear about health care as a national item, on the agenda at every election. But why is it such an issue?

Insurance is inherently a poor investment, because when you buy an insurance policy, odds are that in the long run you'll pay your insurance company more than they'll pay you. It has to be that way, or else insurers would never be able to stay in their business. Insurers profit from the laws of probability in the same way as casinos. Consider an insurance agent as a bookie who lets you place long-term bets on whether you will come to misfortune."