"Murder and Economic Ignorance"
Historically, I would have argued that it would be nice to explain to people why health insurance executives are not evil people and that the health insurance industry is an over-regulated dumpster fire trying desperately to not be forced to pay out massively more claims than it receives in premiums by a governmental structure that is as incoherent as it is absurd. But in the meantime, before explaining the real economics behind “why the health insurance companies are not the bad guy,” I could have settled for, “While you wait to understand this, please do not murder anybody.”
But now, we may have to accelerate the economic education part so that the “do not kill people you think may be bad” part does not get to play out in public life.
Elizabeth Warren should be forced to resign immediately. She is an economic dunce and always has been. And now, she is a quasi-murder rationalizer. And it is disgusting and totally unacceptable.
"You can only push people so far" is something people sympathetic to murder say, with a quasi-accomplicing of the crime in today's media age. But before it becomes the pro-murder moral atrocity that it is, it also is predicated on rank foolishness. Health insurance companies do not make their money by losing customers because they have a reputation for violating the black-and-white language of their own policies. They collect premiums and are charged competitively since companies have ample other options as to where to take their employer-sponsored plans, and then they pay out claims pursuant to the terms of the policy. Sometimes, reasonable people can disagree over what is supposed to be covered, and certainly, almost all people can agree that the system is too complex and unclear. And of course, some people understandably want some things to be covered that were not covered – and it does not make it wrong for them to wish they were covered, but it does not make the insurance company wrong to not cover what was, well, not covered. But if you feel frustrated by the system as it is, then you want a more market-oriented system that would reward clarity and simplicity, not a more governmental one that creates this opacity.
Don’t consider health insurance executives heroes if you don’t want to. But understand that they are not the cause of your intuitive frustration. And no matter what you think of them, sometimes people do not “get pushed too far.” Sometimes, they are murderous parasites, evil to their core. And a society that cannot call evil evil is not a society likely to figure out how insurance claims are supposed to work.