If you have homeowners insurance or auto insurance, I suspect you would be very happy never to have a claim and that goes double for health insurance. However, that does not stop some people from thinking they may be entitled to a refund if they do not file a health insurance claim.
What does happen to your premiums? Believe it or not, a relatively few people consume most of the health care and hence incur most of the health care expenses. Read more about this issue in my blog post on Health Insurance Illuminated
Tags: health insurance claims, health insurance premiums, who uses health insurance