In a sense, insurance really isn’t there to purchase things for you. These are things you would’ve paid for yourself, had you no insurance coverage. But since you know that the risk is there, you utilized an insurance plan. Much like other insurance plans, health insurance is there to cover risks. It really shouldn’t be there as a way to leverage things. It’s not a discount card either. That’s the misconception about insurance. Well particularly when it comes to medical and health policies, why is it that consumers think that risk goes away? It’s still all about risk. But yet there are the masses and scores of consumers and subscribers that really believe and feel that their policies are more discount club memberships for medications than they are actual risk diversification facilities. Economists call this moral hazard, the psychological mechanic about a person to not appreciate the costs being incurred about a situation