Insurance is always a gamble, a bet actually.You are betting that you’ll eventually get sick or hurt. And your insurance company is betting that you’ll stay healthy.If you stay healthy your whole life, but still pay into insurance, that’s great for the insurance company. Actually, it’s great for you too, because you got to be healthy for your whole life. But you still lost the bet.So an insurance company is never going to reward you for being healthy. That’s not the terms of the bet.But her.