thanks Stormy, sounds like you know a lot about this!

this case of her university is a little complicated, and I probably shouldn't go into the details here, because it's an ongoing thing. But it's not health insurance, this was more of a liability insurance, for things like equipment, theft and production (shooting student films) mishaps. Mostly I wanted to make the point that when the insurance profits go down due to paying claims, they just adjust the policy to make sure their profits will be protected, by raising the premiums, and imposing new rules on the types of films that the students are allowed to make.

I guess ultimately that is a "real world" lesson for the students!