Part of the issue is that regulation in this space is extremely difficult, as UHC is a for-profit corporation and thus is incentivized inherently against the so

Part of the issue is that regulation in this space is extremely difficult, as UHC is a for-profit corporation and thus is incentivized inherently against the societal goal of providing healthcare. Even if there is regulation to force UHC to spend 90-95% of the money given to it on healthcare, this incentivizes UHC to make healthcare expensive so the 5-10% portion it can keep can also grow. Not to say that governments shouldn't still try to make it more fair, but to say that UHC has a duty to its shareholders to find as many loopholes as possible to refuse to pay out healthcare.