John,

This can be the case. Denials can also steer resources toward more accurate patient care and better outcomes.

I have no evidence that this is the case with United Healthcare, but it should be how they are assessed. How much a CEO gets paid is mainly irrelevant

Contrary to public opinion, health insurance company profits are hardly overwhelming. The average is around 2%, and United Healthcare's is higher at 6%.

Health insurance companies don't have a monopoly on greed. Hospitals, doctors, providers, and patients all tend to maximize what they can extract from the system.

More transparency is needed in healthcare generally. This may close the gaps between promises, expectations, and services delivered.

Thoughtful piece. Best.