Explaining Insurance to a 5-Year-Old

Explain how crazy medical insurance is to a five year old. Okay you sell ice cream and I want an ice cream cone. So you're going to give me your ice cream. It costs a dollar, right? So you've already made the ice cream, you've bought the ice cream, you're paying for the truck that you're selling it from, you're paying the employees to make the ice cream that you hand that ice cream cone to me, I'm going to take that ice cream cone and eat it and then leave and then you have to chase me down by phone and by fax so still and email for me to pay you for that dollar in three months. It takes about three months for me to pay you that dollar. But guess what, I don't pay you a dollar. Pay you 50 cents. And that whole time back and forth I keep saying well you didn't ask me the right way. That's how insane medical insurance is.