It is not the insurance companies fault that employees must carry a large burden. In all states, insurance rates are regulated to a point where companies have a limit of how low or how high a rate is. With the rising rate of health costs, companies must raise their rates to insure that they have the capacity to pay all of the claims that could occur. Yes, insurance companies always seem to make a profit but a lot has to do with losses of that year. If insureds make fewer claims, the more money the insurance company recieves. In most cases, especially in health insurance, one major accident will cost more than the patient pays to the insurance company. Many times, with health insurance the insurance companies can only make a profit off investment income and not from money left over after claims. This left over money isn't really the insurance companies either because it has to go into a policy holders surplus account. If the company goes under, the company is still responsible for claims that might have happened before they went down and new claims when loss has taken place during a period of coverage. This surplus is used to pay for the claims reps and for the claims that still must be payed off. So if insurance companies are making money it is because they have a quality insureds that tend not to have loss. Brett A. Whittington Application Developer