Thanks for writing. I am fine seeing many insurance companies fail. They serve little purpose other than legal requirement to have insurance, example for car, but do not pay out.

I agree with other commenters that many insurance companies will go bankrupt because of California fires and subsequent claims. But that coming to Jesus for insurance companies has been creeping up with climate change anyway. Look at Florida and how hard it is to get property insurance there.

For health care, there must be universal health care and work to temper cost from healthcare producers. Other OECD countries have examples that while not perfect, at least keep their population healthy. I see no problem with the policy reform measures you proposed, but this is unlikely in a Trump regime, where we move to a buyer-beware atmosphere and dump regulations to allow free reign of profits over consumers.

So, sadly, things will get worse for insurance consumers (and some smaller, fragile insurance companies) no matter how many insurance CEOs get murdered.