What did Health Net and its Chief Executive Jay Gellert learn from this? Did they learn that they should cooperate with our effort to see that everyone would have health care without being exposed to financial hardship? No.

What they learned is that they need to improve the process through which they cancel the policies of individuals who do need health
care. They learned that it is in the interests of Health Net's financial well-being to avoid criminal conduct when they cancel those
policies.

In spite of the findings of the arbitration, what they did not learn is that they have an obligation to the well-being of those they insure.