Why would an HMO want you to be sick? They spend most of their time not covering medical claims. In fact, they'd make more money if you never used your insurance.
And your claim that people are generally good makes no sense. Corporations don't make decisions, people do.
False. If people never used insurance, then they'd stop buying it, and the whole industry would collapse. The reason why the industry exists is it helps manage the alternative: fear of eating into savings, going into debt, or going bankrupt, just to get well again. Or worse, just giving up and dying.
The reality is, no insurance company insures known sick people unless compelled to with sufficiently large pools to redistribute wealth and risk. If a pool had only sick people, insurance is no longer insurance, it's a payment plan. What we in effect have now is one part insurance for totally unpredictable things, with one part payment plan for all the predictable doctor visits and scripts that people want to justify a monthly payment.
Why would an HMO want you to be sick? They spend most of their time not covering medical claims. In fact, they'd make more money if you never used your insurance.
And your claim that people are generally good makes no sense. Corporations don't make decisions, people do.