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No - the whole point of pooling would surely be that you don't pay for your own misfortune (or profit from good fortune.)

It really just becomes a poorly implemented version of general taxation though. Funding health and social care from taxation is of course not a new idea...

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Yeah but if you don’t balance it against the risk factors you blow out your pool... similar to why taxation wouldn’t be sustainable, you’d end up with a significant portion of the population eating the pool without contributing, and a very small minority being forced to cover them, effectively farming “consumer humans” and thus an ever growing tax rate.

Does the evidence from countries with tax-funded healthcare and social care bear this out? Are you assuming that everyone will eventually have a Japan-style ageing population timebomb?

Somehow this system works for 50+ other countries in the world, but when it comes to the US its only discussed in hypotheticals.. completely insane. Somehow the others already have a functioning system without a tax rate of 100%...

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