Part of the problem is the perversion of the word 'insurance' when it comes to medicine. Folks conflate health 'insurance' as being equivalent to unlimited health related treatment as a benefit to which they are entitled and may involve some token co-pay on their part.
With any other insurance (
see definition ), if you every make a claim, your risk is re-evaluated, and your rates are promptly increased if you are not out-right refused renewal of your coverage. Auto accidents or mal-practice lawsuits come to mind.
