Jeez. Insurance premiums go into a big pool of money for insured. Sort of like our fees here in TV go into a pool to cover all amenities and improvements.

Sometimes one village gets more improvements than they've paid for that year, sometimes a patient gets more health services than they've paid for that year.

So, who picks up the slack for the high-usage patient? The other people who have insurance.

Just so you know, you are paying an extremely low premium. My premium, female age 58, is $450 per month, with a deductible of $5,800 per annum. Obviously not on medicare, and do not qualify for any subsidies.

Do you really think your $98 per month, a rough total of $1,200 per year, could possibly pay for your health services in a healthy year?