What's the deal with insurance?  Who thought of it?  Honestly.  What lunatic thought, "Hey I know.  Let's collect money from people before accidents happen so that when they happen, we'll pay for them."  Why don't we just pay for stuff as it happens.  Wouldn't that be cheaper?  You say, "No Dave.  Look at your medical bills.  It would cost several thousand just for a routine cleaning at a dentist."  Here's my objection:  It wouldn't be several thousand if insurance wasn't involved.  The only reason medical expenses are so high is because insurance companies can pay for them.  And it's not like it's hurting insurance companies.  What business in its right mind would overpay for services for its members?  None!  The billions of dollars they collect from us gets paid out in hundreds or thousands to dentists and doctors and autobody shops.  If people couldn't afford medical care, doctors would be forced to charge less (this argument probably isn't valid because rich people can always afford things...supply and demand doesn't really apply).  But I think that things wouldn't be so expensive if people just paid for things as they happened, instead of unnecessarily pooling their money into health insurance and auto insurance companies, only to [maybe] use it later [or maybe not].