I think for profit Health Insurance is a straight 100% scam. The only service where you pay a company for a service and when you need that service they spend as much money as possible to avoid giving you that service.

But... I've come to realize that it is impossible to make people understand it or change it.

So, I've been proposing a lesser change: In theory Insurance companies business model is to hedge against the risk of people getting sick ok? Well, let's make the bet fair and remove them the ability to decide who gets covered and who doesn't. In the case of the original article: Let a neutral third party panel of professionals be the ones that decide whether the Health Insurer has to cover or not the case.

Otherwise, Insurers are behaving like Casinos that decide to pay or not to pay to people who win a game.