# The ethics of health insurance

**URL:** <https://boards.straightdope.com/t/the-ethics-of-health-insurance/1011177>\
**Category:** Miscellaneous and Personal Stuff I Must Share\
**Created:** [December 5, 2024, 3:45am UTC](https://boards.straightdope.com/t/the-ethics-of-health-insurance/1011177 "2024-12-05T03:45:03Z")\
**Posts on this page:** 1\
**Showing post:** 344

<div class="post-metadata">

**Author:** ![wolfpup](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/wolfpup/32/10618_2.png) [@wolfpup](https://boards.straightdope.com/u/wolfpup)\
**Post date:** [January 7, 2025, 7:43am UTC](https://boards.straightdope.com/t/the-ethics-of-health-insurance/1011177/344 "2025-01-07T07:43:58Z")

</div>

> [@Dr.Strangelove](#):
>
> But on the other hand, public prescription coverage in Canada does have co-pays essentially everywhere. I still have not gotten an explanation for why these would be necessary except to avoid the moral hazard.

I don’t consider a $4 dispensing fee (which some pharmacies may choose not to even bother charging) to be any kind of disincentive. But anyway, on your original subject, here we go – an example of “moral hazard” avoided: 🙄

> [@My achin' dry eye eye eye](https://boards.straightdope.com/t/my-achin-dry-eye-eye-eye/1012667/1):
>
> She prescribed me the first stage of treatment eye drops. Restasis, cool not zydra or Mibo, both being flogged on tv, so new and stupid expensive. Well, when I called the pharmacy, the _co-pay_ for this stuff is 300+ dollars. Yikes! We cannot afford that.

---

_[View the full topic](https://boards.straightdope.com/t/the-ethics-of-health-insurance/1011177)._