In the country of Havahart, citizens got tired of privatized medicine and health insurance companies doing outrageous things. In one case, the insurance plan doubled its premiums, raised deductibles, and changed co-payments from a nominal flat fee to a percentage of the bill. Outraged citizens knew that the companies were playing hardball, sending a signal to leave them alone to do business as usual, to forget about health care reform. The people also grew tired of elected politicians who lacked courage to do what was right. So a bold new movement took hold among the public: they stopped paying their insurance premiums. The Great Insurance War began.