Here's another installment of rationality quotes. The usual rules apply:
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This may be true, but McArdle's point is precisely that this was not said before the study came out. At that time, people confidently expected that health insurance would, in fact, improve health outcomes. Your argument is one that was only made after the result was known; this is a classic failure mode.
-2CCC
It does help you to pay for (say) blood-pressure medication. This might be expected to result in more people with medical aid and blood-pressure problems taking their medication.
It also helps to pay for doctors. This leads to more people going to the doctor with minor complaints, and increased chances of catching something serious earlier.
Here's another installment of rationality quotes. The usual rules apply: