In America, general consent is that insurance companies are entitled to profit from your illness

[mathematic]

5. You don't understand insurance

Health insurance companies profit from your HEALTH. If you're not using medical services you're all profit. Sure if you get sick they do their best at trying to deny paying but they'd prefer you to not get sick at all and just keep paying those premiums.

Similarly, auto insurance companies profit from your safe driving, not your accidents, flood insurance companies profit from you living on the top of a hill, and fire insurance companies profit from the suspicious lack of burning candles in your house.

The groups that profit from your ILLNESS are hospitals, drug companies, medical equipment manufacturers, doctors, and other health care workers. Those are the groups providing health care. Insurance companies just help pay for it (or not, if they can get away with it).