[s1artibartfast]

Most of that makes sense to me. there is a self funded plan, my understanding is that the employer is collecting (and usually subsidizing) the premiums.

At the end of the day, my experience is that my UHC healthcare is about 10% more than healthcare from non-profit Kaiser, and Kaiser is far more stingy with services.

I think there is a hell of a lot wrong with healthcare in the US, but I don't think that constitutes murder just because the stakes are life an death.

Ethics depend not just on the outcome, but the processes that leads to that outcome.

The incentives in healthcare are terrible, but it is the government which has structured the system and those incentives.