Insurance doesn't work that way. If you had a heart condition which required operation (so maybe 100k) you would also have paid 11k. You need to average over al

Insurance doesn't work that way. If you had a heart condition which required operation (so maybe 100k) you would also have paid 11k. You need to average over all expected outcomes to calculate whether it was affordable or expensive. In other countries (Europe and Canada) that 11k comes out as taxes instead of direct and indirect insurance costs.