What types of policies have been losing money for insurance companies?

My career has hsa plan through insurance... anthem...and my card claims hsa covered-but i didnt trigger the account and dont need to...decided against it...can I be ticketed or behave as if i didnt want the master plan?
"I would like advice about paying for some type of insurance and deciding on. This would be with respect to my mommy when enough time comes for her to leave meWhere could my companion get cheap car  insurance ?
"I would prefer that rich people reply this question so that I have the facts and not hypothesis