We've already gone over all this.  I posted for your benefit the great CEO who raised the cost of epipens who is a big Democrat donor.  Insurance companies don't "guarantee results!"  Where do you get this stuff?  If that were true, then everyone with car insurance would never be in a car accident or if they were they wouldn't be injured or die!  

It's been projected that if you could remove half the "professional administrators" who have their finger in the health care pie, that the costs for care would decrease dramatically, so why don't you research that for awhile as that is something we could all work on!