Maybe there should be? There’s got to be a startup there. Combine long term health insurance with a research arm that ensures the disease is cured and it never needs to pay out?
When all you have is a hammer something something.. In all seriousness, the majority of the developed world has solved the incentive problems with preventative care.
Single payer health care seems to be another reasonable way of aligning incentives, although as it’s critics will point out it also has other drawbacks.
