Comment by costcopizza

I wonder why this is getting downvoted as I've had this exact same thought.

A most efficient insurance program would be a closed loop.

Any leftover money not spent on care would be used to reduce premiums the following year and/or be saved for higher claim years.

I wonder how that could exist in the US? Perhaps these health sharing ministries are as close as we'll get: https://www.medishare.com/