> By definition, insurance is literally not intended to save the insured person money, in expectation. You fundamentally misunderstand the concept of insurance

> By definition, insurance is literally not intended to save the insured person money, in expectation. You fundamentally misunderstand the concept of insurance. Group insurance is, by definition, a way to spread the cost of rare catastrophes around the group so that the affected individuals don't bear the full brunt. There is the full expectation that in the event of a major medical event you will save money. Try reworking your example around major medical events (e.g. a $500K hospitalization) rather than preventive care (the function of which is to reduce the risk of certain controllable medical events).