With everything going on nationally, there are several active threads going on the subject of health coverage. And with so many excellent posts, I'm learning a lot, but there's one question I've not been able to parse. There are many kinds of insurance, auto, life, home, travel, weather and they all seem to work pretty well. People pay in and when something goes wrong, companies pay out. There are hassles here and there with claims certainly, but overall things seem pretty smooth. But something seems to happen when it comes to covering health. To be clear, I'm asking a functional / operational question, not why changes to the system are controversial. Why can't businesses and customers participate in a way that everyone gets what they need? What is it about other insurances that allows everyone to get their needs met and why doesn't that carry over to health insurance?