Should be a "health Insurance " Ombudsman - who the government has given legal power ( via government legislation) to resolve some of these decisions. up to so

Should be a "health Insurance " Ombudsman - who the government has given legal power ( via government legislation) to resolve some of these decisions. up to some government determined limits . The running costs of the ombudsman would be paid by the health insurance companies. ( Maybe as a ratio of the claims against each company. ) This gives healthcare companies a motivation to reduce ombudsman issues. Such systems exist in other countries.