have no idea how many times it has to b repeated - that the ins. co's profit is ~3.5%.. if the policy costs that much, it's because it covers a lot of expensive treatments (and $300 is a fraction of the cost).. we are over-insured, we don't policy that covers "oil-change" and every scratch (we should pay it out of our pockets, and use ins. for really expensive stuff).. yes, medicine is expensive, but so is everything else.. and people who make a living in healthcare should not be surprised..