Back to our young people: As Adrian Campbell's condition reminds us, young people are not always healthy. They also incur risks of injury, etc. But as a group, young adults would be a viable population for genuine spread-the-risk coverage. If we cannot make risk actuarily manageable for the healthiest cohort in our population, then perhaps we would do well to jettison the concept of 'insurance' altogether, and just figure out how to send everyone to the doctor or hospital as needed.
Meanwhile, one
further advantage to expanding Medicare to a large group of mostly healthy
young people is that it would mitigate the public cost of the insurance sector's pushing the worst cases onto the public rolls.
A previous draft of this article was posted at the author's blog.
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