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This is terrible. Is there any question left as to whether private healthcare is a disaster? I have known a few people who have been denied healthcare coverage when it is quite clear that it is due. Either there needs to be a regulatory board that can overrule insurance companies or we need to implement public healthcare.

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Public healthcare is not inherently better than private, it has its own problems. I think it is easier and cheaper (both technically and politically) to fix private healthcare incentives than to go the public way.

I'm not in US, so I may not have the full picture. Am I wrong in some evident way?

How might you resolve the conflict of interest that private insurance companies are better off if they refuse your treatment and you die than if they pay for it?

The problem is not in the conflict of interest - other types of insurance work mostly OK. The problem is that the health insurance companies can somehow get away from their obligations without being sued to death. Maybe that's because of vague contracts, or maybe something else. I don't know the exact reason.

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