Originally Posted by aceventura3

I do not agree.

I don't know the source of your data but the health care industry is not in the top 5 by any measure I am aware of.

Also, when comparing ROI for service businesses compared to product or manufacturing business is not a fair comparison. A business requiring large inventories, big R&D expenses, or lengthy/complicated manufacturing processes may have a lower ROI but be more profitable than a service business by many other measures. A health insurance company basically collects premiums and pays bills, this does not require a lot of capital compared to other businesses. Even comparing health insurance to some other forms of insurance the capital requirements are very different due to reserve requirements and remember the discussions on IBNR?