> they will never spend more than what they can get out of you on a monthly basis.

In aggregate, you’re correct. On an individual basis it’s a crap shoot. We are basically gambling on our health, except the prize is you owe money you maybe can’t afford to lose.

I’m going to keep paying for dental insurance anyway because my employer subsidized it, so it’s cheaper than paying for cleanings out of pocket. Other people will keep paying too, so there’s still the question of whether this law would raise their premiums or lower them.

I mean, I've had thousands of dollars of work mostly covered by the insurance.

I agree that if all you need is two cleanings a year and nothing else, then yeah it's cheaper to go without the insurance. But you can't really anticipate major tooth problems.