This seems like a good spot to start with policy changes:
> In interviews with ProPublica, federal judges criticized a system that fails to address problems that arise in court case after court case. They faulted the Employee Retirement Income Security Act, which governs many insurance claims in court, for not allowing for punitive damages, the sort that can rise into the millions of dollars and deter companies from bad conduct.
> To one federal judge, who like others spoke about cases on condition of anonymity, doctors and the insurance companies they work for essentially get off scot-free. “They might have to pay 10 claims,” the judge said, “but if they can avoid paying a thousand claims, then why would they change anything?”
Middle class Americans have been dealing with this awful middleman for decades. Peaceful protesting got us nowhere. Politicians are bought by these conglomerates. Court systems give these companies a slap on the wrist.
Only thing I have seen work: full sending 3 bullets into a healthcare industry CEO. The subsequent public indifference was quite eye opening. Didn’t matter if you identified as Liberal, Democrat, Progressive, Conservative, Republican - it was a unified response across the nation. Conservative talking heads getting ripped apart by own audience for being “out of touch.” Democratic leaders (Tim Walz for example) getting ripped a new one for fake sympathy.
We are well beyond “policy changes”, especially as we go into this next administration.
Reminds me of a joke i once heard: a regulator walks into an insurance corporate office and exclaims "wait a second, you're supposed to be running a racket! instead, you're committing fraud!" while in a parallel universe, the same regulator walks into the same office and exclaims "wait a second, you're supposed to be committing fraud! instead, you're running a racket!". the regulator then slams his head against the wall, and realizes that there is no parallel universe - that insurance corporation is indeed blatantly running a racket AND committing fraud on a massive scale.
> In interviews with ProPublica, federal judges criticized a system that fails to address problems that arise in court case after court case. They faulted the Employee Retirement Income Security Act, which governs many insurance claims in court, for not allowing for punitive damages, the sort that can rise into the millions of dollars and deter companies from bad conduct.
> To one federal judge, who like others spoke about cases on condition of anonymity, doctors and the insurance companies they work for essentially get off scot-free. “They might have to pay 10 claims,” the judge said, “but if they can avoid paying a thousand claims, then why would they change anything?”