I don’t disagree. Healthcare insurance in the US is a fiction (especially now that catastrophic-only coverage is not an option). But other countries don’t even have this fiction of lives being saved by healthcare “insurance” because the one saving your life is the NHS, etc.

When mschuster91 said that insurance is the only ethical model it was not clear to me if he meant “insurance as in the US which is insurance in name only” or insurance as in “the model used in other countries which is not even called insurance”, hence me question.