@drake_koefoed @Escoffier @sickburnbro @CrustyB In the Good Old Days - Not-For-profit insurers did not try to block paying out legit-claims, because their charters made "the insured" their primary interest. Contrast to "the shareholder's profits" being the primary interest of "for-profit health insurance," now. This is why docs did not need an army of staff to get paid, back then.

The ONLY reason a corporation is needed, is to raise RISK CAPITAL. Medical has a guaranteed-market, due to the human condition, so this is a STUPID system to use for that function.

For stuff like smart-phones, a for-profit system is well suited - though, even in this case, "planned obsolescence" must be criminalized. I could do a long-tangent here on lightbulbs and computer chips (Intel AND Apple) ... see the film "The Lightbulb Conspiracy" for a brief primer on that subject:
youtube.com/watch?v=BWJC5ieUAe4