Comment by xyzzyz

There is absolutely no way to run an insurance scheme without denying some people coverage. No system anywhere in the world, public or private, accepts every single claim. You must deny some claims, there's no way around it. This means that according to you, there's no ethical way to run health insurance system. I disagree, I think we need insurance to exist, and given that someone needs to run insurance, I don't think that taking such a job is inherently a moral error.