We are not insurance and we don’t pretend to be. Insurance companies collect premiums in advance and manage risk. We don’t. Because we only pay for costs after they occur, there is no monthly premium we collect in advance. The costs are shared through the system to disperse the burden fairly. There is a subscription fee to utilize our system, but this is independent and not tied to your monthly contribution. Unlike an insurance company, our revenue isn’t linked to premiums or how much or how little you spend a month. We don’t make more money by not helping you out. We purposely disconnected our revenues to ensure our interests are always aligned with yours.