I really think that health insurance is this. Your premiums cover the yearly risk of getting cancer plus a constant amount for preventative care; a couple vacc

I really think that health insurance is this. Your premiums cover the yearly risk of getting cancer plus a constant amount for preventative care; a couple vaccines (get your HPV vaccine if you haven't!) and a physical exam. I'm looking at my EOBs for this year, and all insurance has done by their own documentation is negotiate discounts for care I've received. I think they have paid $0 of their own money. Meanwhile, I'm still paying premiums, but I don't know for what!