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Is Health Insurance Really Insurance?

The last few “Ask An Economist” questions sent my way have dealt with the topic of money and banking, so I was happy to get a different sort of question from Heath this week. He asks, “Should ‘health insurance’ actually be called…
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Amazon.com, Inc. 
$92.34  $1.61  1.72%  
Apple Inc. 
$141.72  $2.50  1.73%  
Home Depot, Inc. (The) 
$318.23  $0.69  0.22%  
United Parcel Service, Inc. 
$183.22  $3.31  1.84%  
Walt Disney Company (The) 
$94.73  $0.9571  1.00%  
Procter & Gamble Company (The) 
$144.64  $1.96  1.34%  
Hudson Technologies, Inc. 
$11.06  $0.1994  1.84%  
Tesla, Inc. 
$182.24  $0.6769  0.37%  
Intel Corporation 
$28.88  $0.15  0.52%  
Raytheon Technologies Corporati 
$97.21  $0.305  0.31%  
Lockheed Martin Corporation 
$483.24  $0.03  0.01%  
Merck & Company, Inc. 
$108.28  $0.17  0.16%  
Cisco Systems, Inc. 
$48.04  $0.04  0.08%  
Coca-Cola Company (The) 
$62.16  $0.545  0.87%  
Northrop Grumman Corporation 
$526.32  $1.44  0.27%  
NVIDIA Corporation 
$156.82  $1.46  0.92%  
Hewlett Packard Enterprise Comp 
$15.57  $0.0208  0.13%  
Ecolab Inc. 
$145.40  $0.0775  0.05%  
Walmart Inc. 
$153.21  $0.3  0.20%  
Costco Wholesale Corporation 
$528.75  $2.17  0.41%  
Microsoft Corporation 
$239.51  $2.25  0.93%  
Pfizer, Inc. 
$49.29  $0.28  0.56%  
Johnson & Johnson 
$174.99  $2.34  1.32%  
T-Mobile US, Inc. 
$148.70  $1.20  0.80%  
General Dynamics Corporation 
$250.58  $0.09  0.04%  
General Electric Company 
$85.54  $0.07  0.08%  
Pacific Gas & Electric Co. 
$15.21  $0.06  0.39%  
BlackRock, Inc. 
$713.97  $7.20  1.00%