What "frosts my pumpkin" (as my PawPaw used to say) is that people think insurance companies and physicians/providers are in the same business.
Insurance companies, as I'm sure you know, are cost/risk management professionals, "bean counters," and are terrible at assessing and addressing the needs of individual patients.
There's nothing wrong with the cost/risk management as a business, but it's not healthcare, not patient oriented, and not giving patients outcomes that match the massive amount spent on healthcare in America.
If you've read the fellow I'm responding to, he's citing RFK,Jr, Joe Rogan, and Dana White as "backup" for his position. This is where we are in America. People are listening to everyone except people who are healthcare professionals. I don't ask RFK, Jr, Rogan, or White for advice on my car, my home repair, etc.... but sure..... healthcare, that they know,
More to the point, I'm extremely aware of contracts and parameters and why an insurer has a financial interest in vaccinations, routine exams, chronic condition maintenance, etc. I'm also very aware that it's not a "conspiracy" for insurance companies to have contracts that compensate physicians for those things.
As for the mess, situations like large entities like CVS beginning to usurp a pharmacy benefit manager like Caremark then an insurer like Aetna is very sketchy for me. An insurer like Aetna needs a PBM like Caremark to work in its interest in negotiating with pharmacies like CVS to keep drug costs lower. When they are the same company, what could possibly go wrong for providers and consumers?
I don't have to tell you the battle is, at this point, lost for providers and consumers. As we see alternatives appear like "cash only" practices, "Direct to Consumer" health groups, etc the quality of care can only recede even further because the funding for specialized care won't be there with those models. I don't see a successful healthcare model, sadly, that appeals to my intensely capitalist mindset. It quickly dissolves into politics and "what healthcare is and means to a country" as a meta question.
I'm retired too. I'll chase grandkids, not windmills.