I realized that between the money taken from my husband's check (20% of the cost of the policy) and the money his job puts in (80% the cost of the policy ) totals $12,000.  My husband and I went to the doctor four times which cost the insurer tops $400; I got a mammogram which they paid the hospital $400; I take some medicines which are considered brand or third tier which means the insurer pays only $5.  So the total expenditure for the insurance company was around $860.   I will add something for administrative and processing costs about $100.  The total cost is $1,000 the insurance company spent on us. (I could be off by some).  That leaves $11,000 not spent on my family.  Over the last seven years this insurer has made maybe $80,000 from my family and my husband's business.  And all I hear is the cry of poverty and rising medical costs. Insurance companies are good at keeping the reimbursement rates low. 

 I wish my extra money could go to my clients with insurance problems.  Could it cover the deductible of my client or cover the second round of cancer drugs?   Today, I read Anthem of Connecticut has asked to raise premiums for individual payers (not business) 32%.   The reason is higher medical costs.  I think it is scary to read 32% is even being considered?  Who can pay?  Here is the article on Anthem.