... pre-extisting condition denials will end...\n\nDenial of coverage for pre-existing conditions ended with the ACA legislation years ago.\n\nI agree about insurance companies and fancy office space. The worst offenders are the "mutual" insurance companies, which are owned by the policyholders. Mutual insurance companies in the end exist just for the benefit of their executives.\n\nMany of the insurance industries ills could be remedied with simple legislation, IMO. For example, forcing every company to use the Medicare claim and administrative forms. About 900 universities have standardized on a single admission form; why can't the insurance industry do something similar? Make claim denial submitted by a licensed physician illegal. Put legal limits on deductibles, co-pays, and out-of-pocket limits. Legislate transparent and universal pricing for hospitals, providers, and drugs, whether you're insured or not. I'm also in favor of what some employers already do, which is lower your premium for good health habits, but implementing that on a national scale might be messy, or maybe not as bad as I think it is. (I agree with your notion of personal accountability.)\n\nThere seems to be endless opportunities to improve the current system we have, but the politicians are offering us only two choices, Medicare for None and the current pile of crap further degraded by the Republican agenda.