I promise, this will be my last comment here. Health care insurance is not like your local good neighbor from years past that helped you plan for your family's financial future. It is a mega industry built on actuarial tables with very, very little risk to the investors (stockholders). You can not "win". A small example is the case of a friend of mine. A self employed, hard working and conservative (financially) man, he paid premiums all his working life because he thought it the prudent thing to do. A few years back, he was diagnosed with cancer. After paying for the first treatment, the company, (one of the biggies) dropped him cold. What they paid did not even come to one year's worth of his premiums. He eventually received the needed treatment due to a caring Dr. And a great community of friends. It wiped him out. Now at 60 plus he is having to sell his home (very low mortgage) and take to the road to survive.
This is but one story out of thousands. You are right Mike. The insurance companies don't make medical decisions or provide health care. But they sure can kill ya. Ok, I'll go back to my silence.