Thank you! This is just about the best explanation of what health “insurance” really is and why it is very different from other kinds of insurance. There are things in this world that are better tackled by society as a whole. Everyone pays for the health of everyone else one way or another. Just as we all pay for the roads that get us to work in the morning. That sick person in your office that is too poor for health insurance and can’t afford a day off work could be just the thing that makes you sick and drives you into poverty too.