I'm not sure what the "nope" is in response to: Insurance companies profit when people don't collect on their benefits. If I pay and don't use it, they win. Thi

I'm not sure what the "nope" is in response to: Insurance companies profit when people don't collect on their benefits. If I pay and don't use it, they win. This is why companies that self-insure take out further insurance on their pool in case someone does actually get very sick and it drains the pool, which does happen more often than you'd think.