One minor problem with being young and in relatively good health and is that employer-sponsored insurance is, from a philistine microeconomic perspective, irrational. In 2023, and (god willing) 2024, without major illness, I did not exceed my deductible. Because an (uninsured) annual physical is less than the cost of my deductible and the sole prescription I'm on is relatively cheap for uninsured patients, it would simply be cheaper for me to be uninsured than to have health insurance. Doubtless, I'm one of (maybe) a few million people for whom that's true, but that's a condition that's indicative of the underlying insanity in treating healthcare as a consumable good purchased by rational actors in a free market, rather than a social right.
One minor problem with being young and in relatively good health and is that employer-sponsored insurance is, from a philistine microeconomic perspective, irrational. In 2023, and (god willing) 2024, without major illness, I did not exceed my deductible. Because an (uninsured) annual physical is less than the cost of my deductible and the sole prescription I'm on is relatively cheap for uninsured patients, it would simply be cheaper for me to be uninsured than to have health insurance. Doubtless, I'm one of (maybe) a few million people for whom that's true, but that's a condition that's indicative of the underlying insanity in treating healthcare as a consumable good purchased by rational actors in a free market, rather than a social right.