“…So a system of health insurance came to exist in this country for the following purposes: (1) to spread risk over a large number of subscribers so that moderate routine payments could create a pool from which large payments for the less fortunate could be drawn; (2) to ensure prompt payment to physicians; (3) to generate a profit for those in the insurance business; (4) to provide improved benefits for employees by caring employers; and (5) to provide benefits for the participat¬ ing public. The private insurance system that resulted was highly successful for participants, providers, and business alike.…”