Bizarre post sure, but that's how I roll, I just prefer to call it thinking outside the box :) Like I prefaced, I've been on vacation for a while (and was catching up on bits and pieces of threads that I follow, so I kinda threw a bunch of thoughts together into this one post). I've seen people calling it insurance fraud, but I'm interested exactly how this is the case...
For a hypothetical example, we have neighbors with cheap insurance and pay $400/mo for a common medication. I can get the exact thing for $50/mo and can also get a monthly perscription by asking for it (as I said, it is a common med and most dr's prescribe if you claim to need it - nothing 'abusable' like opioids, but say something like allergy, heart, or other 'maintainance' meds that are unreasonably expensive). So out of the kindness of my heart, I buy it for myself and sell some of it to them for a very reasonable $100/mo. I'm not doing this (just like I'm not piggybacking my credit or taking government subsidies that I don't need (see the RootofGood AMA on Reddit for that discussion)), but I also don't see how it is insurance fraud (and also don't see how I'd ever get caught, but that is beside the point). Maybe it is on the borderline of being unethical, but that is a whole other discussion...