How does health insurance companies and hospital organizations try to prevent pandemics under capitalism?

They invest in pandemic prevention. In a capitalist social system this becomes the norm. Free of government regulation, health-insurance and healthcare companies work closely with the biotech, diagnostic, pharmaceutical, and medical device industries on long-range strategies. They constantly scan the globe for new infectious disease threats to not be caught off guard. They work with local communities on modifying cultural habits: “How can we help remove bat and pangolin from your diet?” They invest in both faster vaccine development, manufacturing and distribution, and in more efficient vaccines. And along the way, they develop rational safety standards without government involvement, because lack thereof is another threat to their reputation and survival.

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