Katherine Mangu-Ward

You know, you get into your infection, you should go to the doctor and pay the full price of that visit and call it good.

And your insurance company shouldn't be involved in all that.

So I think like just the fact that in this conversation, you and I have just named like 40 different kinds of insurance and they all are different shapes and they're all different sizes.

There's just no reason to think we can't do that with health.

Yeah.

So and I think, you know, there are certainly people who are just born with disabilities or with extremely high risk for certain traits or conditions.

And they're going to they're going to be really hard to ensure.

I think I can give you the science fiction answer and I can give you the real life answer.

So the science fiction answer is.

Let's say I'm a carrier for a genetic illness.

I should be able to buy insurance for my unborn children before they're born when it's only a one in four odd that they'll have it maybe instead of when they're already born.

I don't know.

I'm just making it up.

But like, OK,

Insurance could be more complex and take into account even more of the probabilities of life if the market were truly open.

I would bet, you know, if I was a betting man, I might say, okay, you're a carrier of a disease, you're going to do various things to mitigate your risk, but sure, I'll take an insurance policy out on your kid.

On the flip side, I also think like this is, again, the role for charity or even potentially government subsidies.

If we can meaningfully circumscribe those people who you are talking about, those people who truly through, you know, extreme circumstances and no fault of their own simply are not eligible to be the participants in this market.

OK, charity exists and and, you know, simple kind of straightforward block grants or cash subsidies do exist.

I think most libertarians and most pro-market types would say there's space for that in the world.