Forbes January 6, 2025
Sachin H. Jain

Almost everyone who works in the health insurance industry believes they are promoting affordability and access to care.

It is clear that what the health insurance industry believes about itself matters little to an angry public whose bitter outrage was unmasked following United Healthcare CEO Brian Thompson’s unforgivable murder.

They are outraged that health insurers pay inadequately for needed services.

They are outraged that health insurers deny or delay necessary services in pursuit of profits.

And they and their doctors are outraged and fatigued by the non-stop battle with insurers to obtain coverage for what they need to live.

How we got here requires a complicated tour of the history of US healthcare policy—but “how” matters little right now. What’s...

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