Health insurance is a fucking scam.
Dental insurance is a fucking scam. (And should be included with 'health')
Auto insurance is a fucking scam.
Insurance everyone needs is a fucking scam.
Just like banking, there's no competition. It's just a cabal of massively profitable private entities that operate on the same well defined formulas they have for 60 years.
We need to publicize these services. They have nothing to offer but taking money out of our pockets.