The problem is that it is no longer an "insurance" system. Insurance should be for an out-of-band emergency illness/treatment, which cannot be handled via out o

The problem is that it is no longer an "insurance" system. Insurance should be for an out-of-band emergency illness/treatment, which cannot be handled via out of pocket expenses. In the US, insurance companies have become payment gateways since people tend to use it for every silly thing like minor illnesses. The only way in which ANY insurance business can be profitable is if the circumstance that is insurance is random and un-predictable (think auto-accidents, earthquake, flood, fire). If there is any way to predict the incident, the insurance company will do everything to game the system and optimize their profits, as will the patients.