> In order for it to work financially, most people have to never have claims in excess of what they paid in. I don't this needs to be true. If you say pay 10,0

> In order for it to work financially, most people have to never have claims in excess of what they paid in. I don't this needs to be true. If you say pay 10,000 and they invest that and it returns at 10,500 at the end of the year then if your claim is 10,300 they've technically made $200 still. Given that they're raking in billions in premiums I think they have access to better rate of returns than each of those individuals could've done on their own. > I think one of the ways that health insurance (at least in the US) has gone horribly wrong is that it became a means to pay for routine medical things rather than just exceptional ones. I really am surprised that most insurance networks don't become more vertically integrated. Like manufacture their own drugs, hire their own doctors, etc since a lot of their expenses are extremely predictable.