Insurance

I think car insurance is a total rip off. It's like you pay all of this money per month in case something happens right but the minute something does happen and you claim it on your insurance, your insurance goes up. It doesn't make any sense to why it goes up. Its like you are already paying money in case something does happen. Does that make sense? And Health insurance is completely ridiculous, yes military does have good insurance. But what about everyone else? Some people are paying $300 plus a month for health insurance for their families and still have to pay a co-pay. Which is sad because since insurance is so high most people can't afford it and go without health insurance. I think that the insurance companies need to make health care more affordable instead of trying to get rich. It's a brutal cycle.