His word choices are harsh, but it's not an unfair assessment. Insurance is a gambit. You can't deny that, and there are certainly insurance companies more concerned with making a profit than they are with fulfilling their self-mandating mission. Which in and of itself is highly problematic, because what checks and balances are there to regulate said self-mandate? A free market? So long as there is no collusion, but you can't guarantee that can you?
In an ideal world, a free market healthcare system is the best option. But we don't live in a world where the ideal is necessarily possible. So, if one believes that access to health care is an inalienable right, then Hayes6's perspective is valid, especially in it's simplicity. How to achieve what he is suggesting, and at the same time show respect for and allow for quality insurance providers and health care institutions to do the many good things they do is the challenge. Hence the problems with Obamacare and the idiocy that was the Trump initiated plan to repeal and replace it.