[wavefunction]

So what else changed. Did you get more coverage for things? What happened to your premium? How much did you use your $400 insurance (i.e. did it actually provide coverage.)

Price is an important aspect to health-care but devoid of any other information it doesn't mean much.

[tanderson92]

The framing of your question implies that for every dollar you spend there is some return (risk-adjusted, to account for the possibility you did not need that care). Why should that be the case, if poor public policy allows health insurance providers from acting as monopolies?

Consider: http://quotes.morningstar.com/chart/fund/chart?t=VHCIX&regio...