&gt; Insurance doesn&#x27;t seek to prevent the inevitable. That&#x27;s not why we buy insurance. We buy insurance to insure against catastrophic risk.<p>Ideally, that would be the purpose of health insurance, but in the USA its used to pay for essential health care such as regular visits to your dentist or general practitioner, or to get the negotiated rate on prescription drugs.<p>When people talk about the inevitability of healthcare use, they don&#x27;t refer to heart attacks, an onset of cancer, or broken legs. They refer to chronic conditions like arthritis, or high blood pressure that will plague the vast majority of people simply because of their increasing age. These chronic conditions are seemingly inevitable, and are factored into the cost of health insurance.