What is the Shariah ruling and the legitimate Shariah controls for subscribing to a family health insurance company with an annual premium to cover treatment expenses for one year, in light of the rising costs of treatment and medicine?

Health insurance systems, and others, include what is permissible, which is cooperative, Takaful insurance (and this is rare), and what is forbidden, which is commercial insurance (and this is common). The common insurance is a type of gambling and involves gharar (excessive uncertainty) and consuming wealth unjustly, so it is not permissible to subscribe to it.