So, the system is supposed to add people

So, the system is supposed to add people to the health care pool to spread out the cost of health care among more people, thus making it more affordable for all. Since when was "health care" an insurance issue? Health care is the doctor and hospital services that provide the care. The insurance companies are only there to help spread the cost of health care out. So, here is a question.

Mark, I have an initial impression that insurance ...

Mark, I have an initial impression that insurance companies should be a net zero gain / loss operation, however I can see that if management is investing the premium income so as to offset the management and service cost, then their salaries can be justified to some extent. This value could increase if they can show actually reducing premium cost thru their investment returns. If the government