|Now, suddenly, the insurer has a direct stake in your health and well-being!
Should you die, or become unable to work, they will have to pay.
A smart insurance company manager will look at his bottom line and decide
that, if a more expensive medication might save your life or keep you active,
perhaps it's worth spending a bit extra so they don't have to pay out on
your policy this year. Regular check-ups would be encouraged, and
anything that might dissuade you from coming in for minor medical attention
would be alleviated. A company that pays attention to such matters
will be able to outcompete one who doesn't, and prices will fall.