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They kind of also pay out on the services you pay them for, it's not helping, it's just an obligation they haven't managed to dodge.
It's almost like there should be a not for profit option, perhaps if there were some large group of people who worked for everyone, and we're controlled by some sort of elected governing body.
I have had this fantasy. All health insurers be required to be 501(c)29. The non-profit definition for health insurers under the ACA.
A lot of insurance companies—arguably most of the ones used—are not for profit: American Family, COUNTRY, generally Blue Cross Blue Shield, Liberty Mutual, Northwestern Mutual, any other company with "mutual" in the name, USAA, Farmers, State Farm, Progressive, etc.
Really? Do you have a source for that?
For which ones? Most are mutual insurance companies, where any profit has to legally be paid back to the customers.
https://www.investopedia.com/terms/m/mutualcompany.asp
That is awesome thanks! I was unaware.