Gentlemen, I'm not completely opposed to having insurance companies involved in the medical industry. I belive the emphisis could be more toward catastophic coverage, competative insurance across state lines and the ability to select the coverage one needs. My comment about the cost of insurance in the medical field was referring to the total cost of insurance company involvement, not their profit margins. Of course, having politicians, bureaucrats and governments at any level will only increase cost and reduce choices by individuals people. I really enjoy this discussion and your thoughts.