I think this article does touch on something that's always bothered me regarding healthcare. Specifically on the problem that insurance is tied to healthcare. To me insurance is about covering risks that are liable to occur no matter how much one may minimize them. In contrast, healthcare is about routine and extraordinary care of human beings. It's not something I believe follows properly with insurance business models which is why often they cut corners to make it profitable. Otherwise, I suspect many health insurance companies today would be bankrupt if they didn't attempt their corner cutting. Rather than leaving healthcare to insurance business models we need to finally admit that maybe it's no different than roads or other infrastructure and have it handled by the US federal government for better or worse.