Yet another sad story of how our elected leaders have failed us.  First we have a anti-business climate in general and even worse for medical business practitioners.   New doctors do not want their own clinic or to take over one, they want a hospital job because the barriers to run a business are "onerous".  Second our State Insurance Commission has failed to monitor large health care insurance companies such as HMSA.  The general theme there are numerous insurance companies with different rules and processes but their common theme is they try to find ways not to pay.