JAMES TARANTO: The ObamaCare Prisoner’s Dilemma: Why it’s foolish to buy overpriced insurance. “What really sets medical insurance apart from other forms of insurance is that it covers routine expenses as well as catastrophic ones. Imagine if homeowner’s insurance covered not just major damage but every minor repair or upgrade, every visit from a plumber or electrician, every paint job (including the cost of paint). Medical insurance works like that, which is why even people who’ve never had a life-threatening or otherwise catastrophic illness or injury have typically filed many claims. By mandating coverage for even more routine expenses–contraceptives being the highest-profile example–ObamaCare makes health insurance even less like ‘insulation against the inevitable,’ in Klein’s description.”