The problem is insurance companies can negotiate bulk rates, but it's actually illegal for people to get together in a group and do the same thing without the i

The problem is insurance companies can negotiate bulk rates, but it's actually illegal for people to get together in a group and do the same thing without the insurance part. What's also annoying is you can't determine ahead of time what something is going to cost, so even when it's not an emergency you can't shop around.