and i see insurance as this....i'm betting that i will need that service (auto/home owners/health/disability income) and my monies go to pay for it, in a group with a whole bunch of other people, and the insurance company is betting i won't need it.
i have gone years, when i was in my 20's without regular health care, but as i aged, things changed, and i need more health care, now in my 50's, i'm a pretty savvy consumer, having some choice in my care, so my bet with my (crappy employer provided health care) is different.
and insurance companies making billions of profit is immoral. making profit is not, no one works for free, but making so much money is gouging people. ....this is the company that is my employers choice for our health insurance provider(from the NYT article of 7/31/2007................."Humana, based in Louisville, posted net income of $216.8 million.....Revenue rose 19 percent, to $6.43 billion, compared with $5.41 billion a year ago, ....Michael B. McCallister, Humana’s president and chief executive, called it “probably the best quarter we’ve had” since he became the company’s chief executive in 2000. He said it was a result of “virtually every line of business doing better,” noting improvements in the commercial segment and expansion of the company’s Medicare business. "