"We are now in the world of 'big insurance,' with health funds squarely in the business of providing financial returns to shareholders ... Private health insurers serve their shareholders, meaning they don't necessarily seek to actively protect or advance models of care that result in the best health outcomes for members," chief executive of St Vincents Health Australia Toby Hall, Australia’s largest not-for-profit health-care organisation, wrote in the October 10 Sydney Morning Herald.