[kurthr]

Well, yes... but it's not really the insurance companies fault. They're regulated and can only make a percentage of total costs so they need spending to increase so they can deliver growth to their stockholders. They negotiate higher prices for the consumer with the large medical services and drive out low cost providers so they can provide stable dividends. They make collecting benefits or reading a bill impossible and renege on agreed payments so that they can pay their employees to live in the style they are accustomed to.

Actually, I hate the player as much as the game. It's disgusting.