Blue Cross Blue Shield of Alabama promises to provide services to consumers, for which they pay a fair premium. But has greed caused BCBS to break that promise?

Ten top executives earn more than $1 million per year; CEO Terry Kellogg earned almost $5 million in 2013, according to published reports.

BCBS expects policyholders to pay higher premiums and deductibles, but it states, “executive salaries are not a factor in determining health insurance premiums,” according to Oh, really? Is that a fact? Or is it greed?

BCBS is a not-for-profit company — which makes astronomical profits. BCBS must do something with all that money, so it elects to pay execs extremely big bucks rather than reduce consumers’ premiums.

BCBS holds a virtual monopoly on the commercial insurance market in the state. Consumers have no real choice about purchasing coverage.

All of the above is legal. But is it fair? Is it moral? Or is it shameful?

BCBS must be held accountable — and come clean with its customers about who they decide to benefit the most: the executives or the people of Alabama?

Emily R. Davis