Someone let me know if the article has any value beyond what is already heavily studied and known — that the profit motive and racketeering between all middlemen (insurers, big pharma, banking/finance sector, and health care providers) is a calculated effort to dramatically inflate the profits of each at the expense of the most vulnerable. Insurers don't make money by paying claims. They make money deny them, so do everything in their power to deny as many claims as possible.