Mammal

Keep in mind - this is just the premium. Getting actual care requires thousands of dollars more.

Like this could easily destroy the entire Health Care industry, not just the insurance companies by creating a death spiral

It’s not that the industry is dead - it’s just that health insurance companies are insanely parasitic and are about to kill the host. The death-spiral already started and there simply isn’t enough money to rebuild or ‘reform’ a privatized healthcare system where insurance companies sit at all the choke points.

Am I the only one that sees a major flaw, and a lot of historical precedent, around the idea of not paying the mercenaries on time?

Fun fact: History did not start on October 7th.