I don’t think is right to analogise between clothing and healthcare. Everyone needs clothes; specific needs are highly correlated with climate. While this is also true of some basic functions of healthcare (dental care being the most obvious example) most of the very expensive parts of healthcare (surgery, cancer, etc) are not similarly predictable and therefore fit the insurance model better.
And the way to make insurance model work best is to make it universal, mandatory and governed by cost efficiency rather than shareholder profit. Better still, a universal system becomes a monopsony buyer, able to assess value with domain expertise then demand and receive lower prices for drugs and medical equipment.
And the way to make insurance model work best is to make it universal, mandatory and governed by cost efficiency rather than shareholder profit. Better still, a universal system becomes a monopsony buyer, able to assess value with domain expertise then demand and receive lower prices for drugs and medical equipment.