Seems to me that the argument is really "are my premiums a passthrough to medical providers" and I have a really hard time answering Yes to that.

If they are, then what do we call it when my medical expenses surpass my premiums? Negative passthrough? Contra passthrough?

What do we call it when I pay premiums for a year, never use a dime of it, and then cancel my insurance? I don't get that money back, nor does it get passed through to medical providers.

Do life insurance companies consider my premiums to be a passthrough to my eventual benefit payment or do they count them as revenue?