What is our equity in health insurance?

[TStoneMBD]

****I wasn't sure where to post this because it of course doesn't pertain to poker, but since alot of poker players have to deal with health insurance on their own I thought I'd post it here. If it's not appropriate here you can move it over to the Stock forum (although it's not appropriate there either) but I was thinking about posting it there originally because they might have access to the numbers from publically traded insurance companies.****

Does anyone here know the rate of investment of health insurance companies? Or, to rephrase the question, does anyone know the equity of our investment in health insurance in ourselves? If health insurance costs us $100/month, how much equity are we sacrificing to hedge against variance? Does it differ between plans (ie: catastrophic/full coverage)? Do the insurance companies create quotes specifically with a certain rate of investment in mind?

The reason why I feel this question is worth asking is that I'm considering which level of heath insurance I'd like to purchase for myself. For instance, if catastrophic insurance costs $100/month and my equity on that investment is $80 while the insurance company profits $20 it would be worth upgrading to a full coverage plan at $400/month if my equity on that investment is $380/month while the insurance company only makes $20/month there as well. I would be reducing more variance at the same rate of expense. Although I assume that the insurance companies certainly make more money as you purchase more expensive plans, I would just like to know how much exactly.

Sorry for the rambling. If you know the numbers (ballpark?) or know of a site that explains this I'd appreciate the insight. Thanks