The framing of your question implies that for every dollar you spend there is some return (risk-adjusted, to account for the possibility you did not need that c

The framing of your question implies that for every dollar you spend there is some return (risk-adjusted, to account for the possibility you did not need that care). Why should that be the case, if poor public policy allows health insurance providers from acting as monopolies? Consider: http://quotes.morningstar.com/chart/fund/chart?t=VHCIX&region=usa&culture=en_US&dataParams=%7B%22zoomKey%22%3A11%2C%22version%22%3A%22US%22%2C%22showNav%22%3Atrue%2C%22defaultShowName%22%3A%22name%22%2C%22mainSettingId%22%3A%22main%22%2C%22navSettingId%22%3A%22nav%22%2C%22benchmarkSettingId%22%3A%22benchmark%22%2C%22sliderBgSettingId%22%3A%22sliderBg%22%2C%22volumeSettingId%22%3A%22volume%22%2C%22defaultBenchmark%22%3Afalse%2C%22id%22%3A%22FOUSA04BNC%7CFOUSA00L83%22%2C%22type%22%3A%22FO%7CFO%22%2C%22region%22%3A%22USA%22%2C%22name%22%3A%22XNAS%3AVHCIX%7CXNAS%3AVTSAX%22%2C%22baseCurrency%22%3A%22USD%22%2C%22defaultBenchmarks%22%3A%5B%22%24FOCA%24SH%24%24%7CHealth%7CCA%5DFO%22%2C%22%22%5D%2C%22chartType%22%3A%22growth%22%2C%22startDay%22%3A%2211%2F03%2F2008%22%2C%22endDay%22%3A%2211%2F07%2F2016%22%2C%22chartWidth%22%3A955%2C%22SMA%22%3A%5B%5D%7D http://quotes.morningstar.com/chart/fund/chart?t=VHCIX&regio...