My point of course is that you are doing apples to oranges. Unless I am mistaken, Australia does not have a large illegal immigrant population. Depending on what source you look at we have 10-30 million.
We also have strict legislation around providing private cover, meaning private insurers can't discriminate based on most factors in their prices. Works pretty well
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Confused. If an insurance company can not charge higher rates based on known health risks or known diseases then it’s not insurance anymore. Perhaps I’m misunderstanding.
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Nope, it's insurance, the prices are just standardized to create a risk pool, reducing the impact of adverse selection and various other biases
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