I am not sure what you are describing is "exactly the way insurance is supposed to work." If you have an open mind about it, you might want to read about the t

I am not sure what you are describing is "exactly the way insurance is supposed to work." If you have an open mind about it, you might want to read about the three-legged stool[1]. [1] http://web.archive.org/web/20170716081909/https://www.nytimes.com/2017/07/10/opinion/obamacare-repeal.html http://web.archive.org/web/20170716081909/https://www.nytime...