My insurance has always covered my hospitaliztions for whatever reason. There is no cap on our insurance (that is not allowable under federal law anymore). I don't remebr exactly what our premiums are a month but they are within reason. I believe we are required to pay 10% of hospitalization up until we hit the deductible which is also fairly reasonable. We have a FSA to help cover out-of-pocket which pretty much takes care of our share most years. I don't see insurance companies as evil. They are a business and I know what their restrictions are so I am careful about choosing our insurance plan. Without insurance, we would not be able to receive the medical care we have, so I am grateful for having excellent health insurance. Crappy medical insurance is awful; know what you are purchasing. I don't know much about investment banks so I have no opinion. I think the government needs to do more so that patients aren't priced out of needed medications, but I also think good research is being done in pharmaceuticals -- it is definitely a two-edged sword.