The term – health insurance company – means a big brick wall, taller (just) than publishing tall, it’s not going to pay although you will receive. Stratospheric bills for the insurance itself, and co-pays times twenty. There are many reasons why this paradigm does not work. It’s called greed. The New York Times will probably throw me into the street again – the rudeness laws say you cannot write the word GREED. People will get upset. Gatekeepers will have a cow. Don’t say greed. They’re listening.