Frustrates me because our government allows them to take advantage of us all. There should be a limit on mark up and it should be kept at a certain percentage. That’s why insurance premiums are the way they are. This is the biggest scam in the world. I feel its borderline criminal.

Someone should come up with a non-profit health insurance company. That would be pretty difficult but possible. At the end of that fiscal year any money left over (For the calendar year) gets distributed back to the customers. Rates would have to fluxuate monthly based on usage. Sounds great. Someone would be a superstar for doing something like that. May even be worth a very large salary if it worked out well.