sure - let's say you pay your own insurance, which most people do not do - let's also say you pay an average of $5,500 a year for it, and have insurance from age 26 to 72 - that's 46 years. So you have now spent $253,000 over your lifetime, which is definitely above the 84k.

If you only have one disease or hospitalization in your life, however, you're rare - this is also extremely unlikely given your chronic Hep C. As an example, the average cost per person in the US, including healthy people, is $10,000 a year, 4,500 more than your insurance cost.

In all health insurance, the healthy are subsidizing the sick. If you have Hep C you are costing your insurer a lot more than you're paying them. If you're a very healthy individual and rarely have any issues, you're overpaying by a lot.