When you hear politicians or supposed experts talking about paying for only the health insurance you need, minimal coverage plans or the unfairness of asking low healthcare users to subsidize high users, you can be sure they don’t know what they are talking about.
They don’t understand health care is unique from any other product or service. They don’t understand the basic concept behind any insurance. They ignore the logic behind penalizing late enrollment in Medicare, why there are annual enrollment periods, why newborns and other new dependents must be enrolled within a specific number of days. It’s called adverse selection.