The insurance plan often has re-insurance or stop-loss coverage, meaning that if the insurance pool is at risk of actually losing money, the insurance company has insurance against such a loss. In reality, the insurance plan is not gambling anything.
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Reminding my sister of this was one of the only things that shut her up when we were arguing. While fairly liberal, she works for a big pharma company and doesn’t support universal healthcare,. She was very early to jump on the coronavirus panic.
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