>By definition, insurance will always cost more than than paying out-of-pocket in the long run[0]. This ignores the money saved from group bargaining. It is of

>By definition, insurance will always cost more than than paying out-of-pocket in the long run[0]. This ignores the money saved from group bargaining. It is often not possible to negotiate on price as an individual. A good health insurance company will have more information on pricing than an individual would have and is in a better position to negotiate for the group.