Health insurance drives the prices up for both patients and health care providers by thousands of percent. It's purely a malicious middleman that steals from bo

Health insurance drives the prices up for both patients and health care providers by thousands of percent. It's purely a malicious middleman that steals from both sides and does absolutely nothing beneficial at all. Except create jobs I guess, but is an inherently unethical job worth creating? Other insurances like car insurance and renters insurance seem slightly more reasonable (although they're all inherently a form of gambling) and I haven't heard any horror stories about them, but I wonder, if I had saved the money I put into car insurance, would it be sufficient by now to pay damages for any car accident I may be at fault for?