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Comment by SoftTalker | Hacker News Reader

Why would they? Why would anyone buy insurance that didn't pay for treatments of illness?

I get frequent emails from both my employer and my insurance plan reminding me to get flu shots, annual physicals, etc. because it's cheaper for them if I stay healthy vs. having to pay (potentially a lot) for treatment of preventable illness or health problems.

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Because you have no choice. In the US, I noticed a trend that companies are starting to offer one choice for Insurance, the cheapest for them.

There's always self insurance. These days that's likely cheaper.

Same reason people buy baby formula that's poisonous: they don't know or are desperate.

Because you don't buy insurance, you're essentially assigned it. There is no insurance marketplace. And no, healthcare.gov does not count.

These companies act in lockstep and the service is socialized - you pay for everyone else. Its the most shitty approach imaginable to healthcare.

You get all the greed and ass fucking of private healthcare, with all the choice (or lack thereof) of huge socialized medicine. And, cherry on top, the private sector has WAY less rules than the public sector.

I'm not seeing it. My private employer's plan and my son's healthcare.gov plan and every plan of everyone I know covers vaccines.

Right. And have you actually taken a step back and thought about why that is?

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