Oh yeah it can get crazy expensive. I was just asking to gauge your sense of risk aversion. One of the things I think is missing is being able to bring value to you even if you do not have claims. Kind of like how we have responded to others in this conversation, we are trying to get a membership card in your wallet that provides you with a sense of value even if you only go to the pharmacy for Slim Jims. We think theres an opportunity to engage with people in a way that encourages maintenance, or sustaining, your health, or if you think, improve your health. All too often we wait for someone to get sick before offering care - we want to get in front of that. Identify and manage emerging issues. and so on.

Absolutely, if there was a way for insurance to provide value on a non-catastrophic basis, I’d be all for it. Right now it feels like The worst of all worlds. Expensive and only useful in worst-case circumstances.

My family tried the "health share" thing too, before we created Evry Health. We used to have proper insurance, then post-ACA the prices were so outrageous it became a choice of a) pay for normal insurance via ACA or b) save/pay for our kids' education. Given those choices, we opted to use Medi-share? for a few years.