Well no kidding it's purpose is profit. Insurance companies ARE businesses after all and that is the reason for running a business, TO MAKE MONEY. However, if insurance companies didn't payout benefits as often as some people claim they don't then they would fail because people would choose to take their insurance business elsewhere. Their vested interest is keeping policy holders, not running them off because they fail to payout. No one would even bother buying insurance if they always had to hire a lawyer to get their benefits like you say they do.
If you don't like insurance companies, then don't buy insurance. Just pay for your medical expenses from your own pocket.
The whole "insurance companies are the devil" argument is no better than the "corporations are the devil" argument we hear form the 99%'ers.






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