Is it fair to call insurance the “bad guys” of healthcare?

Is it fair to call insurance the “bad guys” of healthcare?

While it's not uncommon to hear insurance companies being labeled as the "bad guys" in healthcare, this perspective may not be entirely fair. Yes, dealing with insurance can be frustrating, especially when claims are denied or premiums are high. However, insurance companies also serve a crucial role in healthcare by protecting individuals from potentially crippling medical costs. It's essential to remember that while there are areas in need of reform, the issues with healthcare are complex and can't be pinned on a single entity. So, calling insurance companies the "bad guys" simplifies a multifaceted problem.