保險行業不是壟斷企業，而是被政府規則嚴格管控的行業。
保險業的利潤率並不高，Co-pilot說：
The average profit margin for health insurance companies is around 6%, but can vary:
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The health insurance industry's profit margin decreased slightly to 3.4% from 3.7% in the previous year.
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The unweighted average profit margin for four public health insurers was 3.2%, which is 1.9% lower than Q4 2023.
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As of Q2 2023, accident and health insurance companies had a net profit margin of 4.99%. Life insurance companies had a net profit margin of 3.22%, and property and casualty insurance companies had a net profit margin of 16.33%.
In 2022, the largest health insurers in the US made over $41 billion in profits.
