Right at the end of the day insurance is healthy people pay for sick people and you could debate kf that's fair or not. So when you put the healthy people in their own pool it all works well for them and leaves sick people with medical debt.

So if the argument is it's not healthys peoples job to pay for the sick then fine. Just not really a system I wanna be a part of.

But like I said I hope to be proven wrong. I think what there doing have great potential to cut out all the waste full middle men and dramatically reduce costs. And then maybe at that point the medical cost issue goes away.