This only applies if everyone in the plan is using the routine dental, massages, and other benefits. If, on average, only half of the plan members get dental c

This only applies if everyone in the plan is using the routine dental, massages, and other benefits. If, on average, only half of the plan members get dental check-ups and 10% get massages, the insurance company can still make the same 50% profit margin if your premium includes 75 cents per dollar towards dental and 15 cents per dollar towards massages. Now, in the real world, fewer people use all these benefits, and far more is charged on the premiums. I suspect that the profit margin in the whole industry is much larger than 50%.