too bad they dont have to limit how much they can spend to defeat honest medical and disability claims.
I speak of second third fourth etc. insurance company defense doctors opinions...contradicting diagnosis or recomendations of regular treating doctor, teams of lawyers, detectives, and delays in the legal system that kill...or leave them destitute. It may take decades to get a work related injury treated. Iris

Part 2:
Just think of all the forms in which Americans are being gouged by the health industries:

***Pharmaceutic al companies are overpricing their products, thereby inflicting disproportionat e economic pain on Americans. Other nations do not tolerate this nonsense, and their citizens pay much less for their medications. While Americans are being duped by these companies, those who champion such price gouging call themselves patriots, pound themselves on the back and proclaim that we Yankees are ever so clever. In their manner of convoluted thinking, hell’s bells should accompany such notions as fair play and the importance of universal health care as relates to our means of production and society at large. For them, such niceties should not deter corporate greed as exemplified by their CEOs...especially when so many frightened and uninformed camp followers stand ready to support them in their assaults on our national viability.

CONCLUSION:
Under a Health Care for All, Single payer system, most of these cost duplication components can largely be eliminated. In other words, such a system should result in lower costs of coverage from these various forms of insurance.

Mind you, when Americans finally wake up and start using their intelligence so as to demand such a form of universal health care coverage, the insurance companies and their supporters will shout that such a system is socialism. When they do, and they will...forcefully and tenaciously confront them with facts so obviously truthful that even their supporters will realized how they’ve been played for fools and demand change to a single payer universal health care system for all American citizens.

Well now...as I predicted, it didn't take long for insurance company advocates to cry "socialism". Yes, and as for socialism, a course or two would also be helpful toward realizing that there are many forms of socialism, just as there are various forms of capitalism. Of course, that would require some information input that goes beyond the Coulter and Beck types.

In fact, Health Care for All, Single Payer system has nothing to do with socialism. Of course, the realization of this fact would require not sucking in all the misinformation proffered by those who get their news from Fox types of media disseminators.

Then ironically, I’d let all of those who want cost effective universal health insurance obtain such a single payer plan so as to receive all the benefits stemming from the pooling of resources by such supporters. Then let those advocates for the insurance industry twirl slowly on the pinheads of corporate greed, denial of coverage via policy cancellations and then the ever increasing premiums...all to the detriment of even the most ardent supporters of the insurance companies. Ah yes, that would be divine justice and holy intervention.

Anytime the government grants and caps twenty percent profit on expenses to a corporation, it guarantees that the corporation will always want to pay more, the doctors will be encouraged to charge more, the drug and hospital costs will be encouraged to be more, and the insurance industry will beg for more costs because twenty percent of more is always greater than twenty percent of less. This is a classic example of how the government in trying to fix things just makes it worse.

You just made the case that private enterprise is the problem. Let's require them all to be non-profit, just like the hospitals and insurers used to have to be, and like they have to be in the rest of the Western world. Better yet, let's go to single payer universal health care. I've experienced it first hand, and it works.