That had to be a horrible experience , sorry to hear. I'm confused , are saying you never got a notice stating you were late on payments or they just canceled you? Or are you saying the hospital didn't notify you that you didn't have insurance? Most insurance companies want your money so bad they send an obnoxious amount of reminders to pay. I would like to think those who told you they were sorry meant it after all they're human beings like us and most have a heart. Why blame capitalism on this? Insurance companies do suck, when my daughter was born there was complications with her and she wasn't breathing we didn't get to hold her for several hours, but the doctors and nurses did amazing work are care and my daughter who is alive today and start's UF in Fall because of them. I wouldn't trade our doctors and nurses for anything. Now our insurance companies is a different matter, BCBS sent us a bill after an extremely large amount that they covered and canceled her insurance and stated she had met her life time maximum benefit amount she was 2 weeks old. It took me 6 months of reading the entire policy multiple time and finally they had to cover the remaining bill except like $10,000. I don't think anybody should have to fight like that, it's a crooked system. But far better than the Gov't running it.