I’ve got a genius business idea for people with few discernible skills. First you establish a “health insurance” company and get people to pay you large sums every month. Then, when a customer tries to use their insurance to cover medical costs, make a habit of denying their claim. While doing that, pay lobbyists to keep politicians amenable. Repeat this strategy until your company is worth billions.

I’m not saying this is exactly how the US health insurance industry works, but it’s close enough. There is a reason Americans

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