No one gets to use the insurance and the cost of day-to-day care goes up 25-40% thanks to the insurance companies’ paperwork.
When you’re putting 6 grand into premiums already per year, then you’re paying 500 a month for coverage that you can’t use until you spend another 6 grand.
There is no way in the world that someone is not getting rich off of that, and it sure ain’t the working stiff who has to pay it.