See, I don't think the democrats could do any better. But at least they wouldn't blame it on the company being "woke". Expect many more rights to be limited next year to help draw insurance companies back. Remember when we could hire a contractor by assigning benefits and let them do the heavy lifting against insurance companies.
It was simpler that way.
A lady we sold a condo to had water damage after living in it for a while. One of the contractors we recommended gave her a quote and she agreed to the price.
The insurance company sent her a check, but she refused to pay the contractor because she said the insurance company was supposed to pay him.
It took a while to convince her the check was for her to pay him since there is no way an insurance company would pay the contractor and also send her thousands of dollars.