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Megan McArdle

What My Dog Taught Me About Health Insurance

Everything I needed to know about health insurance, I learned by adopting a puppy.

Last February, on Valentine's Day, the Official Blog Spouse and I took custody of an eight-week-old bullmastiff puppy named Fitzgerald. The first thing we did was to drive him home from Indiana and install him in the Stately McSuderman McMansion. The second thing we did was to buy him pet health insurance.

"Now wait a minute," longtime readers will say, "haven't you spent a lot of time arguing that health insurance doesn't necessarily make us any healthier? Weren't you the one who wrote that comprehensive, soup-to-nuts insurance isn't insurance at all, but a spectacularly inefficient payment plan?"