Insurance companies don't think of "members" as just cost centers. They're a lot more picky around the concept of "hiring and firing" customers. Put it in the

Insurance companies don't think of "members" as just cost centers. They're a lot more picky around the concept of "hiring and firing" customers. Put it in the perspective of a freelance web developer. If someone is going to pay you x amount of dollars to build a website, but cost you more than x in support time and change requests, you either have to up the price or not take on the customer.