Try flipping the question and asking yourself: given all of that, why did UHC have a false-denial rate more than double the industry average? For example, perh

Try flipping the question and asking yourself: given all of that, why did UHC have a false-denial rate more than double the industry average? For example, perhaps the issue here is that UHC was undercutting competitors knowing that the vast majority of their fraudulent denials would go unchallenged -- they still meet the requirement for minimum spending on payouts, but they attract more customers[0] and in so doing distort the health insurance market. [0]: Customers in this case are primarily businesses buying policies for their employees, rather than end users of the product.