Here is a very interesting article:10 Surprising Facts about American Health Care
http://www.ncpa.org/pub/ba649
And no... Health Insurers are not Profitable... there margin is below 3%
Here is another facinating article on that topic: How profitable are health insurance companies?
http://www.marginalrevolution.com/ma...companies.html
Opening the "pool" to include everyone regardless of pre-existing condition is going to bankrupt these companies. They balance the risk and raise rates based on demographics including, but not limited to age, gender and overall health of the population sharing the risk ... or the "pool" if we are all in it... well...