Healthcare, ?including hospitals, pharmaceutical, and insurance companies in the ?United States

Healthcare,  including hospitals, pharmaceutical, and insurance companies in the  United States make millions and millions, and in some cases billions and  billions, of dollars in profit annually.  Healthcare is one of the  largest and most profitable industries in the U.S.  The number one  reason why most Americans go bankrupt is because they get ill and cannot  afford to pay their medical expenses and bills. 

Do you believe it is ethical to make money, i.e., profit, from people  who are sick?  If so, why.  If not, why not?   If you believe it is  unethical, what do you propose be done to our current for-profit health  care industry?  Be specific in your response.