The biggest red flag in all these stories is getting a call from a customer support person trying to help you.
When it seems like it’s impossible to get ahold of them in a real emergency.
This was the whole issue. California made it illegal for insurance companies to raise rates, so the insurance companies stop renewals. Leaving everybody uninsured. Homeowners couldn't buy insurance at any price.
There is a specific type of nurse called a CRNA that is basically a replacement for anesthesiologists. And half the nurses I know are going to school for that. It seems like hospitals and insurers want to replace the MD here.