Moral Intuition Drives Healthcare Policy

Public support for collective health provision is rooted less in technical market failures (asymmetric information, adverse selection) and more in a moral intuition that it is unethical to make sick people bear full costs. That instinct, rather than economic logic, explains much of popular support for broad coverage and therefore should be front‑and‑center when designing reforms. — If true, reformers must address moral narratives—not just market fixes—so policy tools should reconcile individual responsibility (e.g., high‑deductible multi‑year insurance) with public values to build politically durable systems.