Like the standard Bill of Laden, you need a Standard Insurance
Contract, because you are GOING TO GET ONE, either by the private
sector, or if government takes over the industry and destroys it? At
some point, all you lawyers out there, have to make stand, either an
imaginary greedy rock star mentality, poverty, or a common sense of
reality that makes a decent living that does not harm those living in
poverty?

And lets not forget, all these different insurance contracts are
necessary because the profit margin on these insurance companies is so
low?

What if you guaranteed a profit margin (through tax write offs,
subsidized by oil, gas, and mineral royalties) to insurance companies,
and issued a standard contract that all companies shared? Denying pre-
existing conditions denies you the ability to take premiums from
people willing to pay, and the subsidation through oil, gas, and
mineral royalties would be a safety net for those who demonstrate
financial hardship?

Government health care in foreign countries demonstrates that the
health care system is hurt, not helped?