Originally Posted by Huh really

So, no one answered my questions from before, apparently because they were too complicated or required a modicum of intelligence wrapped up in simple motivation.
Here is an easy one, Why is "Group" health insurance called group health insurance vs individual health insurance?
Which one would you like? It's a binary choice. Just like what the US Women's Soccer Team faced. By definition, you don't get to cherry pick.
Imagine a company that only offered individual health policies. So, you are uber healthy former military guy, who doesn't smoke, drink, isn't overweight, your whole family eats super healthy, exercises, etc etc. Everyone in your family gets all the vaccinations because well, Science!, at least as you understand it. You pay super low premiums because, actuarily, you are low risk. Then, your son develops heart issues within days of the Covid vaccine. Requiring intensive hospitalization. See, recent study from Canada, 1 out of 1000. Then, your lovely, loving and loved wife develops an autoimmune disease, such as Transverse Myelitis (England) or Guillain Barre (USA). More hospitalization, or maybe she develops a brain tumor not associated with any vaccine, nothing super bad, but a good sized meningioma. (high likely hood of recurrence requiring treatment). Post resection surgery follow up, it is discovered she has a mid cerebral aneurysm. Ah snap, now you and your loved ones are uninsurable. Sorry, too bad, too sad. Suck it up buttercup. It was your freedom to choose and to support the idea of risked base health insurance.