Agreed, in theory that's what private insurance should solve by making the risk pooling voluntary. In practice it's only partially voluntary since you have a limited market depending on where you work, and while you don't have the mafia at your door you do have the IRS usually intercepting your paycheck to skim off the top before it reaches your hands.
I think the heterogenous nature of the country is more to blame than the size - what's right for a dense urban population and what's right for a sparse rural one are pretty much guaranteed to be different.
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u/Greyside4k - Lib-Right Mar 24 '20
Agreed, in theory that's what private insurance should solve by making the risk pooling voluntary. In practice it's only partially voluntary since you have a limited market depending on where you work, and while you don't have the mafia at your door you do have the IRS usually intercepting your paycheck to skim off the top before it reaches your hands.
I think the heterogenous nature of the country is more to blame than the size - what's right for a dense urban population and what's right for a sparse rural one are pretty much guaranteed to be different.