On: Cities with Uber Have Lower Rates of Ambulance Usa...

[notfromhere]

Your lifetime odds for cancer are like 50%. If insurance doesn't cover life threatening illnesses and life-saving treatments, what's the point in paying for insurance?

[ksk → notfromhere]

I agree it should cover them (in theory). I would even agree that healthcare should be a human right. But even under a zero profit model, for the cases where the treatment is so expensive, what would the financials look like for all the insurance payers? Is it actually even possible?

[notyourday → ksk]

Lets make a non-profit model. Lets take entire USA.

350 million people. 50% chance of cancer. 175m will get it. Payment to make it go away is 10MM USD. Should it be covered?

[notfromhere → notyourday]

You're setting up a strawman to prove your own argument that human life isn't worth preserving under some notion of 'logic'.

[notyourday → notfromhere]

Yes, the idea that every human life is priceless is utter nonsense that needs to be disposed of.

[notyourday → notfromhere]

Back to the question rather than the la-la land answer.

10MM USD today payment => cancer cured.

Patient's lifetime earning => 2MM USD

Should the patient expect cancer to be cured by his or hers insurance payment?

P.S. I love the downvotes. Downvotes is like a child stomping his foot in a toy store "Mom, but I want that toy!"

[notfromhere → notyourday]

Yes, because human life has value beyond their earning potential.

[notyourday → notfromhere]

Let's presume that it the case. What is the multiplier that you would like to assign as a max?