How do health insurance companies make money?

How do health insurance companies make money?

Heathcare is really expensive, we all know this,but how do the insurance companies make money? Even though many people have a co-pay,it's usually a drop in the bucket compared to what the bill is,& some don't even have a copay,or it'll be a few bucks.Like when my late husband had a medicine that cost $3000 a month,he paid $6 co-pay.And someone in the hospital can be tens of thousands or hundreds of thousands of dollars.I know that people are always paying into it & it's not the type of thing you use every day,but it just seems like for what things cost compared to what people pay for the insurance that they'd never make money,especially when they get it through their employer.But even if you pay privately,it just still seems like it wouldn't balance out.

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