Posted On: September 26, 2007, 3:12 pm CDT

Posted By: Realistic

The question is how much you actually used of that insurance cost. Given that each person who has posted to this point is older, my guess is that you come somewhere close to spending all of the money that you pay in premiums and quite possibly more. Insurance is a risk pool. At times the insurance company will spend more than you pay in premiums, and attimes they will pay less. The goal being to try to come to a point where it's a resonable cost for the coverage while still making money. If you were an employee of a company with many employees you would reap this benefit in a much larger way than you do as an individual.