Editorials & Other Articles

Part of my clientele were captive counsel for insurance companies.
I got to know some of these attorneys pretty well.
Late 80's early 90's, HMO's became the game.
There was a push by Congress to establish a simple healthcare boilerplate.
The insurance companies countered if they had to sell basic full coverage plans they could not offer the coverage because they would lose money. They relied on selling various programs to increase their ability to provide coverage. I'm being simplistic.
They got away with it then and continue to do so.