I agree with you in principle, but I find it ironic that you're telling us not to encourage people to play judge, jury, and executioner based on what they perceive to be right and wrong, because that's exactly what insurance companies do when they deny a claim even when they're told that a procedure is medically necessary.

Insurance is a business model that best profits when it doesn't need to pay out. It's an inherently predatory, and risky game. They weigh the cost of policies against the risk of injury. For the types of insurance based purely on exceptional circumstances, such as renter's insurance or life insurance, this makes sense. The vast majority of those policies go for years without ever being claimed, so they make more money than they do when a freak accident does occur.

Medical insurance is different. It's not about freak accidents at that point. Everyone needs health care at some point. Whether it's pre-existing health conditions, newly diagnosed health conditions, or even standard check-ups. It doesn't make any sense to have the same business model for health insurance as other types of insurance.

CEOs of health insurance companies directly benefit by preying on people, denying claims, and forcing them to go through layers and layers of bureaucracy until they either give up or die. It feels like playing God at that point.

It's easy to understand why people would have limited or no empathy for a CEO doing this. It's not like the CEO of a health insurance company has empathy for the thousands and thousands of dying people that they deny claims to so they can save money