Health insurance companies have reasonable margins and it's really tough to make the claim they're profiteering off the system.
Health insurance doesn’t need to be second-guessing doctors. I understand that someone needs to pool the money before it is needed and distribute it out to the needy once the emergencies happen but that’s as far as they need to exist.
If you really want to conserve resources from wasteful doctors, there are strategies for making that happen but putting a private profit-driven firm in charge of second-guessing every treatment is the worst by far.
Certainly someone needs to be second-guessing doctors, because they routinely make decisions that fail to adequately consider both costs and risks. I grant that the insurance companies don't do a good job of it, but don't fall for the ridiculous trope that doctors would make great decisions without insurance companies.
Health insurance doesn’t need to be second-guessing doctors. I understand that someone needs to pool the money before it is needed and distribute it out to the needy once the emergencies happen but that’s as far as they need to exist.
If you really want to conserve resources from wasteful doctors, there are strategies for making that happen but putting a private profit-driven firm in charge of second-guessing every treatment is the worst by far.