Ben Handel

Your insurance company is saying, OK, we have to ration health care in some way.

If we don't ration health care, our premiums are going to be sky high.

Nobody's going to choose our plans and we're going to go out of business.

So not unintentional.

No, not unintentional.

And in fact, this is common.

The difference is that in systems around the world, Canada, the UK, etc., there's intentional sludge, but I would call it organized sludge.

In the U.S., say you're with United, you go look at the provider network list and

And you look for specialists.

You call 52 specialists who have no availability.

And then on number 53, they say, yeah, we'll see you in like three and a half months.

And then United says, okay, but you have to do prior authorization from your primary care doctor before you can see this specialist.

You didn't know that.

In the U.S., it's just more disorganized.

But the principle is the same.

The principle is that...

We can't give you everything you want because of saving money.

We don't want the percentage of GDP of health care to be 52 percent.

I mean, it's already double any other country, right?

Yes, that's correct.