How Does The Basic Concept Of Insurance Apply To Health Care? 
Insurance is all about the law of large numbers and risk sharing . Health insurance is designed primarily to cover your major health care expenses while you should be prepared to pay out of pocket for routine items . Consider this . If your car insurance policy covered tires , brakes and oil changes , no one but the wealthy could afford such a policy . One reason why health insurance is expensive is because people EXPECT it to cover everything , including `` routine maintenance '' 