Hey, I worked for an insurance company for five years or so. Nice try, but sloppy. Flood insurance, which is the main thing you talk about, isn't health insurance. Car insurance, at least in the U.S., is fundamentally different from both health insurance and homeowners insurance. Your remarks prompted me to finally start a stub on the topic, something I have wanted to write about for a long time. Thank you for the inspiration. If I wind up mentioning your piece, and possibly critiquing it, hopefully you can feel flattered rather than attacked.