Actually, single payers in the EU are much better equipped to pay $1M now to save $300k/yr in perpetuity. All medical spending comes from one big pile.

In the US, not people don’t stay with the same health plan for more than 2-3 years. So why would an insurance company pay $1M when they get 2-3 years of pay back, then the next insurer gets a free ride?

I know there is an MIT prof who is pushing the idea of something like a bond. Some external party pays the $1M and the insurer makes X payments until it’s paid off.

A interesting idea that even the single payers like as they have a more predictable budget.