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Notes -
I recall that mutualists specifically criticize for-profit insurance as a concept because it creates hazardous incentives.
Consider that the path that maximizes profit as an insurer is not the one where you faithfully execute your contract, but the one where you create as many possible obstacles to its faithful execution short of doing something illegal, or, well, getting shot down by disgruntled clients.
Unfortunatly the complexity of healthcare creates many situations where this kind of dynamic is a problem, and it's not unique to the insurance model at all (I can think of quite a few ways this applies to the NHS for instance) but I think there is indeed something potentially uniquely sinister about the bureaucracy that has to make the technical decision of whether or not your life is ruined, and may benefit if it is.
I feel like I also need to mention that the converse argument, about the problem with rules that are too loose and let some people leech from the commons and/or control prices in ways that create shortages is also a valid one, even though it's less sympathetic.
Fair. I imagine offering a good product would probably be a good selling point for an insurance company, but that might not hold up if there's not enough competition (see, especially, if it's provided by workplaces), or if consumers prospectively (rather than looking back) prefer lower prices and better-sounding promises to actually good coverage.
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