And you are saying overcharging an insurance company is on the same level as an insurance company denying medical care and directly killing the patient because they don't want to pay?

And your examples justify obviously incompetent insurance people vetoing doctor's orders, exactly how?

Doctors are generally forbidden to treat patients without directly examining them and knowing their cases. How is it that insurance companies are allowed to make life-and-death decisions over medical care —with less competent bureaucrats (who may or may not have a medical license)— without ever even seeing the patient? How is this good for the patient?

Of the 33 developed countries, 32 have figured out how to deliver medical care to all of their citizens, and do so for roughly half or less of the cost in the US. Moreover, those countries are seeing continued longer lifespans, while lifespans in the US are declining, again while spending twice the money. Clearly, for-profit medicine and insurance performs worse on every metric.

As it is, insurance rates are rising far faster than inflation rates. Have you checked how much insurance rates have gone on the last few years? It goes up 6% to 25% per year. Where is all this money going? Is it all going to insurance companies? Nope. The price increases are attributable to hospitals, doctors, pharmaceutical companies and so on. These price increases are a form of healthcare denial because a lot of people can't even afford health insurance at all, let alone worry about what is approved/denied by insurance companies.