re: #115 Kragar

If a company can choose moral behavior, then an employer can choose not to cover cancer treatments because you were a smoker or dialysis because you drank too much.

There are some church group pools that do exactly this, which is why they aren’t called insurance. You’re putting your money and faith in some moralistic administrators sole discretion, with absolutely no guarantee that any particular bill will be covered. It’s insane, but they prey on dumbshits and people, like me, who can’t purchase actual insurance at any price on the individual market.