> Not every patient will be profitable. No, but no individual plan is ever expected to lose money. If that's the case, you're talking about something that is

> Not every patient will be profitable. No, but no individual plan is ever expected to lose money. If that's the case, you're talking about something that isn't actually insurance. You're illustrating the original point: when people talk about "health insurance", they're already talking about something that fundamentally is not insurance. If health insurance were insurance in anything but name, then increasing premiums based on expected future risk would be exactly how we would expect health insurance companies to behave.