Hadn't known origins of employer provided healthcare. crazy how these things ripple down https://www.nytimes.com/2017/09/05/upshot/the-real-reason-the-us-has-employer-sponsored-health-insurance.html …
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Frequent swapping creates terrible incentives for health insurance companies too.
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Health insurance that is non-catastrophic creates terrible incentives through out the whole system. Hard if not impossible to overcome the principal-agent problem (aka spending other people’s money)
End of conversation
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