The insurance generates a profit by adjusting the dues of its members according to their health history and risk and the statistical security of the really expensive stuff being very rare.

And of course if the statistics don't work in their favor they can always fudge the numbers by finding an excuse to deny coverage, especially when in some cases all they have to do is delay long enough until the customer dies. Unfortunately that lousy affordable care act, or Obamacare, made it so that if you have a pre-existing condition that insurers still have to pay out (thanks Obama!), but don't worry, Trump and the GOP is hard at work to repeal that regressive statute so that if you had something fatal before getting insurance, you can still safely die without worrying about inconveniencing your healthcare insurers!

I have some close friends back home who discovered they had pre-existing conditions after getting health insurance and getting near fatal (certainly life altering) conditions but unfortunately thanks to the ACA their healthcare insurers still had to cover it; but don't worry, Trump and the GOP will make sure no American ever has to be a burden on their healthcare insurance company ever again!

Also Biden and the DNC are gratefully doing their best not to hinder the GOP's efforts (at anything really), so they're certainly due some gratitude.

-Yours, an optimistic shareholder