insurance company: ok so you pay us almost as much as you pay in rent every month
me: uh ok.. and then you pay for any health care I need?
insurance company: Ahhhaha no. No
me: ..
insurance company: no we pay like half the bill.
me: ..
insurance co: well it's actually very interesting you pay the first $5000 of bills every year then we start paying a percentage
me: ....
insurance co: if we like the bills