1. There is ‘Fantasy Football Insurance.’ 2. Why is it not universal?

Once again, economics and fantasy football intersect:

… it was estimated that Tom Brady?s injury could have shifted $150 million in fantasy winnings.

The idea is pretty simple.

If any of the stipulated top 50 players go down for a significant part of the season, and you?ve paid for their insurance, Fantasy Sports Insurance will pay your entry fee back.

In order to collect, you have to select a player (one policy allows you to group three players), pay the insurance ?- roughly 10 percent of your entry fee -? and watch that player miss roughly two-thirds of the games with an injury. …

Of course, not everyone can afford Fantasy Football insurance. Isn’t it just like Big Fantasy¹ to keep it so that the poor can’t afford Fantasy Football Insurance? Don’t people have a right to Fantasy Football Insurance? Can’t we at least bring competition to fantasycare by having FF insurers help fund and then compete against a public-option FF insurer? Think of the children!

Note

1. That’s just a made-up epithet to paint the fantasy-sports industry in scary terms (such as Big Pharma and Big Oil); it’s not to be confused with Daren Bakst.