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So what is the typical profit margin for an insurer Mr. Potter? What defines excessive reserves? Do you really think insurers should keep the bare minimum? What's appropriate not just the point that artificially inflates your argument. I like the way you always refer to the "Shareholder" obligations, but many americans are covered by non-invester owned health plans. Probably just easier to skip that detail to support your argument, right? Some other questions for you: Do insurers serve a role to negotiate down reimbursement rates (and thus keep costs down)? Are private insurance companies subsidizing doctors and hospitals for the low rates they receive on government health care (Medicare and Medicaid)? Wouldn't it be nice if everyone paid the low government rate? I'll answer that...no, because it would put hospitals and doctors out of business (it's already happening). Someday you should try actually articulating the positives as well versus the exaggerated claims you make.