I'm sure you'd also complain if they stopped covering preventative medicine, birth control, chiropractic, viagra, therapeutic massage, and all of the other things that make health insurance hugely more expensive than, say, car insurance.
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Of course because they are in fact smart. I want health insurance to be a profitable industry! That's how the cost of often-expensive medical services gets efficiently distributed across time and space so that it's not as painful as it would be otherwise. Children know this!
It's one of the most highly regulated industries there is. Why don't you take it up with the regulators. You shouldn't have to stoop to glorying in a man's murder.
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