I think for most insurers it's more profitable to provide less service and preventative care for two specific reasons. One, once a person is 65 they are covered

I think for most insurers it's more profitable to provide less service and preventative care for two specific reasons. One, once a person is 65 they are covered by Medicare and are the government's problem. Two, if someone under 65 does get seriously sick or injured, chances are they're going to have to leave their job or get fired. With most people getting insurance through work, the insurance company isn't on the hook anymore either.