I Think Insurance Companies Are Crooks

They have to be.

"Unlike most products, the business model that underlies the sale of health insurance is that its profits are maximized by marketing and selling to the people who are least likely to use it."

http://www.huffingtonpost.com/entry/republicans-are-playing-a-losing-hand-in-the-healthcare_us_58d56eb9e4b0f633072b3765