Yeahwell...insurance companies have gradually been redefining the meaning of "insurance" from being a business in which they took some risks (as in any industry), made some profit if they were smart and lost money if they were stupid or very unlucky, to one in which they are insulated from the downside through any means necessary, including outright breach of contract (ref. the ex post facto redefinition of homeowners' insurance terms following Hurricane Katrina, or any number of health insurance claim denials), and get to reap all the profits of the upside. Unless and until that trend is shot in the head, the only thing that private insurance companies in any solution is what any parasite contributes to its host.