Medical Insurance. Just like, anyone in the entire industry. They exist to place a middleman between you and your doctor. A middleman without a medical degree who can override your doctor's advice and deny you access to the care your doctor says you need. And you pay them for this. Even if they do allow you to get the thing your doctor said you need, they won't pay for all of it. So what's the fucking point? Just give us socialized medicine already, these capitalist vultures are feeding on our sick and dying.