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Thanks for stepping forward. As a marketing consultant in health care for over 20 years, I've also witnessed the transition of much of the health insurance industry from non-profit Blues to for-profit, publicly-traded companies. This transition was driven by Wall Street, which stepped forward with billions to "buy" the Blues from the public, all for the sake of fees. They earned more fees from consolidating the companies into firms like WellPoint and Anthem (who then merged). Former non-profit managers, like Leonard D. Schaeffer (head of HCFA in the Carter administration and of Blue Cross of California) sold out to Wall Street and walked away with 10s, even 100s of millions of dollars. This is a largely-untold story that most Americans have no idea about. The increasing need to earn profits has, in fact, already reformed health care over the last 20 years, but not in a direction most people like. Please tell this story and help people understand that their for-profit insurer hires and trains staff to deny claims in order to boost profits.