In today's world, it's clear that a one-size-fits-all insurance model is not the best solution for everyone. People should have the freedom to choose which emergency treatments they want covered and which other health risks they wish to insure against. This way, insurance costs can be tailored to the individual, allowing younger people to pay less while still receiving significant long-term benefits.
Younger individuals typically face fewer health risks and therefore do not require extensive coverage. By selecting a customized plan that covers only essential emergencies, they could pay significantly lower premiums. However, these savings could also come with additional benefits down the road. For instance, the lower contributions made by younger people could be invested in pension funds or other financial products, providing additional security for the future.
A flexible insurance system that is tailored to individual needs would not only offer financial relief in the present but could also create long-term advantages. Instead of worrying about retirement, individuals could count on their health insurance to help finance that aspect of their lives as well. This approach would ensure fairness while also offering a secure, forward-looking financial future for everyone.
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