I think the rank and file at health insurance companies need to be held accountable when breaking the law. The law itself must be designed in a way to prevent

I think the rank and file at health insurance companies need to be held accountable when breaking the law. The law itself must be designed in a way to prevent such behavior eg.: Any action such as trying to deny medical service or outsource decision making into a gray zone such as ai shall be punished hard- also on an individual level. It is utterly unnecessary to discuss the individuals moral obligations or to start another meta discussion on capitalism. This type of reasoning is extremly harmful as it deflects the needed discussion about the law. You probably agree with me. It just struck me that our misunderstanding comes from the different approaches europe and the us are following. While we tend to make up rules in advance, the american strategy is often about giving the market more options and having it regulate itself by class action lawsuites down the line. When we talk about health you must admit the „free market“ strategy has failed and europe is doing a far better job.