the cost of membership will never go down as more people become members. the insurance that is attached to our membership can only go up in liability and risk, as membership numbers increase. it is that condition that largely contributes to the cost of insurance and as membership increases, so does that risk and potential for claim loss,...so, the cost of insurance can only go one way...and the AMA is not going to absorb that increase as numbers rise
yes, we get a somewhat reduced cost because of membership numbers, but if we had to buy our own private insurance, each member would be paying more than we do now, obviously,....but that rate would also climb as policy numbers rise, because of the same reason it climbs when attached to the AMA membership.
simply put,....the greater the number of policies written, the greater the risk and the higher the premium for the same coverage..