If you have homeowners insurance or auto insurance, I suspect you would be very happy never to have a claim and that goes double for health insurance. However, that does not stop some people from thinking they may be entitled to a refund if they do not file a health insurance claim.
What does happen to your premiums? Believe it or not, a relatively few people consume most of the health care and hence incur most of the health care expenses. Read more about this issue in my blog post on Health Insurance Illuminated
QUINNSCOMMENTARY 
It is not a question of premiums? But it is the question of our life if our life is safe then all things are well so if you didn’t claim your heath insurance its your good luck. So just pray to god for saving your life always. Good luck
LikeLike