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https://best-individual-health-insurance-plan.blogspot.com/2011/11/how-does-insurance-work.html[/postlink]
http://www.youtube.com/watch?v=nXfGeMNnBsMendofvid[starttext]Nice ad, but what if one of those group members isn't careless and never has to draw on insurance? What then? Their money just goes down the toilet. It's impossible for each group member to benefit equally from this money pool; why don't people direct their hard earned capital elsewhere and just be accountable for themselves? Or, if they still wish to adhere to this "safety in numbers" idea, they could form their OWN insurance group. No middleman needed.[endtext]
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