Before Hussein came along and fucked it all up health insurance that made sense at an individual level (ie it actually saved the policy holder more than he paid in premiums) was still a thing. Unless things have changed in the last 6 years or so the deductibles are now so high that people with normal healthcare needs don't save anything. The premiums are just throwing money down the toilet since everyone is paying the full cost of healthcare even with their shitty "insurance". Which is why Hussein had to force everyone into the system to make his scam work.