But the insurance industry is unique in that they seem to have a business model based on the government: Give us a bunch of money, then WE make your decisions for you.
So yes, the industry needs reform, but not MORE government intrusion, the things we hate about them are because they're too government-like NOW. The answer is to abolish insurance for normal use and give everyone HSA's in conjunction with a catastrophic policy, so the insurers aren't even involved 99% of the time. Or just remove healthcare's special status and make it all after-tax again like before WWII (with corresponding across-the-board rate reductions so it doesn't put more money in undeserving government hands).
Wow! It is scary than they are trying to convince us that letting the doctors make a profit only if they use cheaper drugs and see us less will give us better healthcare. What’s worse is selling patients down the river while pretending concern for patients and pretending to protect them from rapacious doctors. Usually they are satisfied forbidden the doctors from prescribing the latest, most expensive and often most efficacious drugs while requiring the doctors not to let the patients know those drugs exist. That method also gives doctors a financial interest in denying care or warehousing patients rather than referring.
That has been the US Healthcare game all along. Another game is insuring lives not services, passing the risk of a patient needing extra followup care or more tests onto doctors who are ill equip to quantify their potential downside and getting a fixed cost for the insurance company. When they have driven enough doctors out of business they know their bundled rate is low enough. If patients suffer along the way its not the insurance company’s problem. Ms Clinton injected big business into the healthcare system and we have been paying the price ever since.