The vast majority of insurance companies do their damndest to avoid their contractual obligations by altering the terms and conditions without input from their customers, often removing the key contracted provision the customer was forced into purchasing a policy for in the first place.
Defend the liars and thieves all you want, they are still crooked as a dog’s hind leg at the best of times.
The ONLY reason they still exist is because the government FORCES the public to purchase the product on pain of further financial punishment.
Insurance companies cannot unilaterally change terms and conditions. They only change if you agree to them. Do you have an example of a lie?
you have zero idea just how regulated the health insurances companys are. state/feds