That the biggest thing that pisses me off the most. I am studying to get my insurance license. And the classes they talk big how great insurance is, because at its core it is supposed to a transfer of risk. That all the job of insurance, only reason it exists is for them to protect you in case of a loss. Yet we pay for health insurance and all they do is use our money to find ways not to cover us. Bullshit and I wish we could put a stop to it and offer universal healthcare.