That’s the point. Insurance serves a useful economic purpose when it protects against catastrophic costs. Insurance which covers minor costs is horribly inefficient.
I completely agree...All the “uninsured” who use the ER’s for their care instead should have policies covering catastrophic care and pay out of pocket for everything else... but this would be akin to telling a 4 year old there is no such thing as Santa Claus. Instead we pay outrageous premiums so “Jane” can have her sex change operation.
I think some confuse insurance with health care.