The whole insurance industry was founded on the idea of "A hospital stay costs a lot. Everyone pays a little, so nobody pays a lot. We don't know who's going to get sick, so everyone's covered just in case it's you."

Let's run the numbers: Say a massive hospital stay costs $50,000, but only 2% (or 1 in 50) of the population gets sick in a year. If everyone pays $1,000 a year ($85 a month), everyone's covered.

Fast forward to 2007.
The US is on the verge of becoming a mass-geriatric society.
Just about everyone who makes it to 80 will have massive hospital bills at some point.

If 80% of a group of people need a massive hospital stay, then the insurance has to cost at least 80% of that hospital stay. At that point, what good is insurance?

the health industry is big big money,even in the worst times insurance companies are showing out the roof profits,heath care for the poor will always be low grade to nill at best............sad isnt it?also,i hate when people say well theres medicad,if you need a major operation (kidney replacment)and your on medicad it aint gonna happen period.............you are dead