Here is some thought on adding value to a health plan. I know that this might not even be feasible but curious as to your thoughts. In my dealing with life insurance and supplemental products like Critical Illness. A good deal of the companies had products that had a Return Of Premium feature that paid premiums back every 10 years or at the end of the policy. I wonder if we could do a feature like this for health plans, how much it would cost and how often we would return premiums. I know that in the ten years since leaving my parents group plan I have paid close to ten thousand dollars and probably had around five hundred dollars in medical expenses. I would not dare think of cancelling coverage as I know one big event thats it. Just some thoughts.