He deserved death, but the manner in which that death is administered matters. Vigilante justice corrodes the very foundations of the justice system, if we allow it the end result will be far more dead innocent people than guilty ones. I don't want more innocents to die just to kill those who deserve it.
Since you know what excessive is, at what level do the premiums become a moral crime?
Sadly, they want to retain the ability to deny you coverage for any reason. Their maximum profit happens when they pay out as few claims as possible. The only reason they don't already operate that way is legal enforcement, so let's take that to it's logical conclusion
Would you expect every insured without sufficient medical knowledge to understand which denial was appropriate versus which was an error?
There are many crimes today that did not exist 100 years ago and vice versa. Yes, there are crimes that should be punished that are not yet present in the criminal code, and you don't need to be a legal scholar to propose new ones.
I think most people agree deriving financial profit by knowingly denying people necessary medical treatment is immoral.
Part of keeping health costs down is rejecting some treatments as too expensive. Without this, costs will balloon forever as there is no one to say "enough".