A recent study shows that medical malpractice insurers are more profitable than a whopping 99% of those companies listed as Fortune 500 companies (the 500 richest companies in America). This study discredits the insurance industry’s well lobbied claim that “frivolous lawsuits” raise the cost of insurance, which health care providers must then pass on to patients. Instead, the insurance industry makes extraordinary profits by charging exorbitantly high medical malpractice premiums. That profitability would be far less if the medical malpractice insurers were actually paying out claims or spending money defending suits. Instead, this study proves that the insurers are not paying out claims or spending money defending suits, but are rather putting the money directly into their pockets, or using the money to lobby for tort reform, which further limits an injured person’s ability to defend their rights and seek redress for injuries caused by negligence. Those tort reform efforts further increase the insurance industry’s profitability, as they continue to charge higher and higher premiums to medical providers while injured individuals face more legal hurdles to pursuing valid claims.