I selected airlines because they are second on my list. Insurance companies are by far the most evil companies I have ever dealt with. You are basically forced to get them if you buy a home or drive a car. My favorite this is my medical insurance. If you ever read the statement they send you, you will see this crap. You are charged $150 for a procedure your dr says you need. They say the standard price is $100. (How is it standard if every dr. charges more than the standard price) Your 20% portion $20. Insurance Adjustments $77. Insurance company pays $3 (100-77-20). So in the end the insurance company pays $3, you pay $70 ($150-$100 for the overage and $20 for your portion.) So the insurance company makes money by screwing you and the dr. This is also the reason for the increase in healthcare cost. The dr has to adjust his rates to cover their cost and make a profit. So they get $73 on a $150 charge. If it were illegal for doctors to charge uninsured people more than medical insurance companies then we really would not have much use for them. All they do is reduce what we pay, they seldom pay any significant amount for us.