Well, health insurance was designed as a business, a way to make "money" for the companies that sold health insurance. It's a "risk" pool and insurance companies make money on "low risk" clients. That is why individuals with pre-existing conditions could not get health insurance. I was one that went through that because of how I struggled with endometriosis and had to have surgery. My husband could not find any insurance company who would insure me. The wait time to be considered insurable was five years. So I went uninsured and when I had my appendix rupture and turn into something major where I almost died and had emergency surgery, the hospital ended up billing us double what they would have gotten had I had insurance. We are still making payments on that. I believe that took place in 2002 so we have been paying on that for going on 15 years, actually this month it is 15 years.