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> Get sick, go to hospital, insurer covers. There is a shortlist of things the insurer won't cover. You pay the insurer each month.

It is extraordinarily clear that you've never had to do this. And apparently never had to deal with a serious illness in your family. Which is great for you, but please understand that's not the case for others.

> An identical argument could be made for [...]

No, not at all. The only one of those that might meet the four factors I describe is schooling, which is also a highly fraught choice, but it's still not as bad on dimensions B, C, and D. Individual educational needs are also less varied and more predictable than medical care needs. And for choosing education, society puts extensive effort into helping people make those choices well: school rankings, guidance counselors, oceans of books and articles, school accreditation, etc, etc. Until the ACA, there was basically no assistance for picking an individual care plan. ACA marketplaces help a bit, but it's still an extremely difficult choice.

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