This might upset you bishy, but the guy who sells you food, the food you eat.....he makes a profit doing it.
Of course he does....but he doesn't get to deny me food just because it impacts his bottom line.
Health Insurance is a contract.
User pays X/month for which he gets covered for Y (list of ailments and accidents)
Insurance Company promises to pay for healthcare costs in exchange for that X/month.
As long as User keeps paying, s/he hasn't broken the contract.
As long as the insurer pays for valid health-costs, it hasn't broken the contract.
The moment the user tries to commit fraud against the insurer, s/he breaks the contract...this might include things like self-inflicted wounds, padding the bill for kickbacks, faking injuries etc...
Sounds fair so far, right?
Now, when the insurer decides to NOT pay for a valid treatment, IT is defaulting on the contract. Guess where the majority of the money from insurance companies goes....finding them loopholes so they don't have to pay but don't get dinged with defaulting on the contract. Also in denying access to users and early cancellation of contracts (before it gets too expensive).
There is where the issue lies, and that is the thrust of your health-care reform. The other major part is about insurance crossing state boundaries in order to stop virtual monopolies.