I spent $12k out of pocket in 2016 on medical expenses and nobody in my family was seriously ill or injured.https://twitter.com/aodespair/status/839112872806449152 …
Entire point of ins is to spread catastrophic risks--auto crash, house fire, cancer--through large population.
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So most of us end up paying for other people's losses/expenses, whether medical, auto, or otherwise.
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