...one? The sleazy behavior that makes some more likely to succeed than others is to spend a lot of money on advertising which they should have spent on paying claims. By finding excuses to not pay claims, they cause their sicker patients to leave them and go to more ethical health insurance companies, which takes the burden of those sick patients off the sleazy ones and puts it on the ethical ones. Therefore, it seems, by nature, health insurance companies are forced to be sleazy if they want to compete and succeed. And the sleazier they are, the more likely they are to succeed. Right?