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> I can see an appropriate insurance product that protects against the risk of those varying outcomes.

I can also see millions of people unable to access that insurance product because their health condition or expected health condition makes it impossible for them to obtain insurance at an affordable level.

Of all the places for hardline libertarians to make a stand, the actuarial fairness of the insurance market, which literally is redistribution to the less fortunate which ultimately relies on coercion to function (good luck handling claims in a world where a legal system doesn't have teeth) seems the strangest place.




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