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Notes -
Right, that's why I said:
For that matter, self-insurance sometimes goes very badly even for whole corporations--though, as with insurance companies, the larger they get the less this is likely to be a problem. Small and mid-size firms do self-insure sometimes, and sometimes this goes badly for them. Two or three million-dollar medical events in a single year would be terribly bad luck for a company of, say, 500 employees, but it's well within the realm of the possible. This is why a company that self-insures should typically also have some kind of stop-loss policy backing up its self-insurance pool (and indeed many insurance companies themselves have stop-loss coverage). This is a fascinating area of the law that unfortunately falls outside my expertise, but I find it fascinating even so. Insurance and, essentially, meta-insurance form the basis of all sorts of interesting economic gambits. But some of the greatest profits of all have been won by persuading whole nations that participation in such gambits is wise, or even obligatory.
Which is to say: while I acknowledge that the equilibrium I live in requires that I bet, pragmatically, against the actuaries who think they'll take more of my money than they'll have to give back, I remain suspicious that insurance is in fact a deeply parasitic economic entity, of a kind that should probably be much more regulated than it is (even though I am, in almost all cases, reflexively anti-regulation).
Maybe I'm just being autistic here, but I was thinking that most of these self-insuring fools actually make it out OK or even come out ahead, a few break even, and some get hauled to the cleaners and back.
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