Universal Auto Insurance, cont'd

As I continue to think about auto insurance as a model for health insurance, I was thinking about the idea that everyone should be covered, and how genetic disclosure might cause insurance companies to deny coverage to people with likely conditions.

My answer is "liability only" coverage. When I was a teen, that was the auto insurance coverage I had, because as a white teen male, and therefore auto insurance was ridiculously expensive...unless I got liability only coverage. Perhaps something similar could be crafted as a guaranteed health care plan for high-risk people.


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