In your contrarian urge to defend some of the worst of the status quo, you forget the insurance company's whole role is to pay for medical care.

I suggest you read up on this. IIRC, it was UHG's practice to deny claims indiscriminately to increase the personal burden of accessing medical care. Because, you know, if people pay their premiums to the company but it doesn't pay out, it makes lots more money for the shareholders.

It's weird how you seem to consistently elide motivations even when extremely relevant.