[jasonlotito]

Sorry about the confusion. =) Didn't mean to.

As for your first point, screwing over the customers: I've never known an insurance company to not screw over customers to some degree.

Anyways, this is all besides the point, because regardless of the insurance company you patronize, their is someone making a decision on your insurance claim. Whether it's the government, or some private agency, their is still someone who has to sign off.

So yeah, someone can just Beta instead of Acme, and it won't change a thing.

Edit: And the final straw, you assume insurance companies will insure you. It's not just about choosing your insurance plan. You have to be allowed to take the plan as well.