Context: Earlier this week I had a minor medical emergency . It was nothing life threatening , but it was not insignificant . The resultant encounter with the healthcare insurance system was nothing short of insanity . Had this been a more serious malady someone might have died , and no doubt some have .

Question: Why was the insurance system so crazy ?
Options:
0. They paid so much money that I did n't know what to do with it .
1. It was difficult to understand and I did n't know how to handle it .
2. The minor emergency was not as expensive as the insurance thought .
3. None of the above choices .
Answer: 1