[Miami Rebel]

I’d focus on the very beginning of your response:

“They game the complex rules to maximize their profits.”

That concedes the central point of my comment. Private insurance consistently put profits (by gaming the system) over the benefits owed their policyholders. And they’re very good at it.

[PGR88]

I’d focus on the very beginning of your response:

You should instead focus on my response that Fed.gov and Obamacare rules have made GOVERNMENT the customer, not you or me.

UNH and others then work to maximize sales and profits from THEIR demands and requirements - not the demands and requirements of the actual user.