As someone else already replied, that&#x27;s an incentive problem. If you change the incentives to &quot;pay $X a month while healthy, pay nothing when sick&quot; then the profit would be in the cure.<p>Unfortunately, we switched from that a while ago (my understanding is that we used to do &quot;pay while healthy&quot; around the 1900s) and now the current way seems &quot;normal&quot;.