Health insurance was originally participant run - the old form of insurance is just a bunch of folks putting a chunk of money in a pot every so often in case they need it in an emergency. There are still health collectives like that in operation… though most of them are shitty religious people trying to dodge the ACA requirements.

Upon further review, our underwriters determined the claim was to have been declined per the contract document outlining your coverage. Please be patient as we send a corrected summary of benefits which will reflect your updated balance. Please remit payment immediately upon receipt. Failure to do so can result in up to and including termination of benefits, your account being transferred to collections, and civil litigation.

Thank you for being a valued heathcare subscriber, where you have hypothetical benefits that you can’t use or else you’ll wish you had died instead of the alternate path where you’ll be working for the rest of your pathetic life to pay off this one relatively minor incident, or else your credit will be ruined and you won’t be able to buy nice things, which hopefully ushers you one step closer to homelessness, where it has become illegal in several municipalities and you will be forcibly relocated against your will and possibly beaten by police and have your remaining possessions destroyed for inconveniencing and annoying our most courageous of law enforcement officers*. Welcome to Costco, I love you.

*I’ve served my county as a firefighter/EMT and have seen this first hand, with my own eyes, more than once, so don’t tell me it doesn’t happen.