Some of these quotes point out the insanity and chaos that health insurance is:
"The AJC reviewed more than 1,800 health insurance complaints filed between 2004 and 2008. Almost half — 45 percent — involved individual health insurance, even though only 8 percent of the state’s residents, about 460,000 Georgians, were enrolled in such plans."
...
"Most of the complaints — 65 percent —were about what consumers weren’t getting for their money. Customers reported denied claims, inadequate and delayed reimbursement, policy cancellations and costly holes in coverage. Some couldn’t get coverage at all.
Many complained in vain.
Georgia law provides far fewer safeguards for those navigating the health insurance world on their own than it does for those with group policies at jobs, where employers and economies of scale work on their behalf.
Georgia Insurance Commissioner John Oxendine’s office runs interference on behalf of individual policyholders. But it has little policing power over the companies that insure them.
Individual customers, Oxendine said, “tend to be more vulnerable to the
whims of the insurance company.”
Insurers with the highest complaint rates included affiliates of some of the biggest names in the business.
The company with the worst complaint ratio was
American General Life & Accident, part of insurance giant AIG.http://www.ajc.com/metro/content/metro/stories/2009/06/20/insure_individual.html?cxntlid=homepage_tab_newstab
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