The FBI estimates fraud and abuse amount to 10% of health care costs, and other estimates say fraud goes as high as 15%. That power struggle will outlast this moment. But consumers are always left to wonder: Why do publicly traded insurers get to decide when care is warranted, when they may be more motivated by investors' interests than patients'? Americans pay the highest prices for care in the world, but their health outcomes are not the best. No one really knows what services cost and why, and no one is certain what insurers will cover and when. Grief over Thompson's death will last for a long time, particularly with the people at UnitedHealth who knew him well. In time, however, some of the leaders at UnitedHealth will have to join the public discussion. The vitriolic response to Thompson's death put in a crucible all that's going wrong. Stat News, the Boston-based health care news site, called it "a defining moment in the zeitgeist of American health care."