"Leon" wrote:

Exactly! I believe that insurance costs are sky high because of
abuse. IMHO insurance should only be used of those events that you
could no possibly afford, not normal trips to the doctor for the
regular illness.

On first glance looks good, but when you dig deeper has a major flaw.

When insurance covers regular services of a person's primary giver,
illnesses are detected earlier and can be handled with the lowest cost
service.

When insurance does not covers regular services of a person's primary
giver, illnesses are not detected as early as they should be often
resulting in higher cost services to overcome the advanced problem.

Health care insurance is a tad different than other insurance
products.

Lew