I completely disagree. The reason insurance pays for the small things is to encourage people to seek treatment early because it’s cheaper in the long run. Almost nobody would pay hundreds for a cancer screening like mammogram or colonoscopy that they don’t believe they need, but catching these things early is orders of magnitude better both for health and financial outcomes.
Insurance covering a minor infection prevents needing to handle a major infection. Your system assumes humans are rational and a good judge of risk, something that has proven to be untrue countless times.
Insurance covering a minor infection prevents needing to handle a major infection. Your system assumes humans are rational and a good judge of risk, something that has proven to be untrue countless times.