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Notes -
Insurance companies, in general, tend to make more money when they don't have to pay out. They often make the worst day of your life even harder by looking for any excuse to not pay you. I got rear-ended at a stoplight a while ago; I took a picture of the car that hit me, including their license plate, as they sped away. When submitting the claim, I included the license plate number, the photo, and described the person driving the car as a "man between ages 20 - 50 with dark hair". My claim was denied because the license plate I reported belonged to a 70s model car (the car in the photo was obviously an older model, so definitely matched) registered to a man in his 30s. Because it was a government monopoly (thanks, ICBC), I couldn't do anything about it, and had to pay the repair costs out of pocket. This was obviously infuriating, and the start of my character arc towards hating any and all governments.
With something like healthcare in the US, where the costs range from "all the money you'd make in a month" all the way up to "all the money you'd make in a lifetime", dealing with individuals who are determined to nickle and dime you over things your physician said you'd need in order to not be dead is something that boils the blood; like, it's more surprising to me that someone didn't do something sooner. I've also heard that Brian Thompson/UnitedHealthcare was particularly stingy; that may or may not be true, but it's probably a bit of a factor.
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