You are wrong. If they can reduce how much they have to pay later, they could afford an initial investment.
I think what you're missing here is the fact that insurance companies don't really care how much they pay out,.. They collect premiums, take a percentage, and pay the medical bills,. The money always comes from the policy holders, and if margins begin to thin, premiums go up,... In fact, the more an insurance carrier has to pay out, the more they stand to make,... The one who potentially stands to benefit from this approach is the policy holder, provided they can be differentiated as a "healthier than normal client" and they can find an insurance carrier willing to acknowledge that with their premiums...