Strange, I've never received a bill from an insurance company for any medical treatment. I have received overblown medical bills from medical providers only to later find those over-inflated bills were settled at a very much reduced rate by my insurance carrier. I actually find insurance premiums to be quite a bargain considering that the bills cumulating from a single heart attack can easily wipe out five years of paid in insurance premiums. Before Obamacare, insurance companies ranked 80th in profit margins among American industries.
Do you know what a "profit margin" is?
Profit margin - Wikipedia the free encyclopedia
One more question: why do you suppose 30% of all the commercials and billboards we're inundated with, and advertising online, is that from insurance companies? It's representative of the share of the US economy they control, about 30% and rising. It's largely a criminal enterprise, but they have the money to buy off all the people they need to buy off. Last time I heard, when gas was $5.65 a gallon in Northern California, insurance companies were making a 6% return on every dollar invested, while oil companies were making a 1% return on every dollar invested.
And one last question, why the hell should an insurance company be any part of the human equation in things like the heart attack you mentioned in your post? Do you want some flunky actuary determining whether you might live or die, or do you want doctors making those decisions?