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People switch insurance fairly frequently, so if you could pay to improve someone's health, the insurance company is not all that likely to see much benefit.

Most employees at my current firm stay 2-3 years. That means that if you could "fix" a medical issue, it would often need to pay for itself in a year or two, which is unlikely.

Unfortunately, the economics to seem to favor what the insurance companies are often accused of doing: finding excuses to deny treatment.

Edit: Typo




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