health insurance companies may not be extremely profitable by corporate standards. Nevertheless, the system is extremely expensive and of utterly dubious value. Why pay such a big premium over a government system when the private system offers us few choices and little possibility of redressing our grievances. Why the years of sending out bills that you do not owe? You all know what I am talking about. Or the denial of coverage for pre-existing conditions? Or the use of byzantine rules for co-pays and deductibles that essentially mean that you are simultaneously paying an enormous amount per year for "insurance" and paying for virtually all of your medical expenses? You cannot honestly tell me that we will not be better off with reform of such rules and better yet with a medicare style public choice, whose benefits will probably soon kill off many of the private health insurance companies. Good riddance. And many of their own policies drive up the health care costs themselves, in so far as they, for instance, make you go to umpteen doctors before seeing the specialist you need for some particular problem. Who likes going five times to the doctor and having to take off work because the insurer requires that you see the primary care person, then the next schmo, then the next until you finally get permission to see the physio.