So what you're saying is if I don't go to the doctor for 10 years, but pay $350/mo over the course of that 10 years for an insurance plan, the insurance company

So what you're saying is if I don't go to the doctor for 10 years, but pay $350/mo over the course of that 10 years for an insurance plan, the insurance company uses the money to fund college education for nurses and doctors? Doubt it.