The problem is we keep using the term health `insurance' when we are not buying insurance, we are buying health care coverage.

As you say, `insurance' is supposed to provide compensation when something unexpected happens - a rock breaking your windscreen is unexpected and auto insurance correctly pays for that event. Let's face it, if your `insurance' covers yearly health checkups and monthly prescriptions (e.g. insulin) then you are getting a benefit, not insurance.

Unfortunately, words have power and the terms we use to describe a thing winds up having a large impact on how we view that thing (abortion vs. choice anyone, why isn't that pro-abortion vs. anti-abortion)

Sigh. Refer to the subject line.

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"Censeo Toto nos in Kansa esse decisse." - D. Gale.

In re: misrepresent the truth.

You need to take a legal ethics class (go figure, lawyers are required to take an ethics class). A lawyer is not allowed to lie to the court, either in what they say or the documents they file. It makes it very hard for lawyers when they `know` that a client is guilty. Yes lawyers have to represent their clients as best they can but, at the same time, they cannot lie to the court. I believe that this is why there is an unwritten law that a lawyer never asks a client if he is guilty, there are some things it's just better not to know.

PS: IANAL but my wife is and I still remember when she took her ethics class.