Fair. I agree that there should be healthcare that is, as you say, "free from the shackles of capitalism, marketing, profit, and these other inhumane abuses." And yet, within the system which we currently have, denials occur and there is a rate at which they occur on average and for individual companies. I was only commenting on the current state, not the ideal glory to which we all aspire. I switched from UH shortly after I realized those numbers above. Do I love the other company I chose just like I love my family, friends, etc? Noooooo! I picked a slightly less evil health insurance company, on the way to keeping healthy, and moving towards the ideal state I hope we can achieve.