An ethical question. If I let you die, am I responsible for your death?

[Warpy]

1. There is a concept in medicine called negligence

which means the failure to provide the standard of care in a timely manner. When it's proven in a civil court, the plaintiff generally walks away rich.

This is what insurance companies are guilty of, neglecting to approve and pay for timely care that people have paid premiums for them to do. Unfortunately, our only recourse is to sue them out of existence, something that is very difficult in the present judicial climate.

Eventually, what is likely to happen is that corporations will gradually shift the entire burden of health insurance onto the backs of their employees, at which time the employees will simply drop it because you know wages are going nowhere.

Once health insurance becomes unprofitable, those companies will bow out, one market at a time. Eventually we'll get single payer, but it will be state by state.

Until then, the insurance giants will continue to collect money and do little to justify it.