And imagine if you are an insurer who is forced to cover pre-existing conditions, cannot impose annual or lifetime limits on coverage, and is forced to pay for useless treatments and procedures that have no medical justification at all.
Be that as it may, they still make indecent amounts of money, and pay relatively little compared to the real cost to the patient. (unless they have a Cadillac plan, which I had in the past. Yes, they paid nearly everything the two times I had short stay surgeries, but I was paying $1,000/month for that coverage!)