Since doctors do not work for free - someone has to collect money and pay the bills. But it does not have to be an insurance company. read more
And both use insurance companies to do the work. In Germany people choose their insurance company and can change at any time. Insurance companies operate for the benefit of the members not the shareholders. (The rich can buy insurance from private companies instead). In Switzerland, insurance companies have two parts. read more
Insurance is necessary because not everyone can afford to pay for health procedures or car accidents. The way it works is simple--not everyone needs health insurance or gets into a wreck at the same time. read more
They take as much money as possible from people who want health insurance coverage. read more