There's also a difference between letting people die for whom you have no responsibility, and actively taking on the responsibility to prevent deaths in exchange for profit, and then letting the people whose lives you're responsible for die.

If you don't want to be held responsible when you let people die, don't take on that responsibility by becoming a health insurer.

Health insurers actually did worse than that: when other people wanted to take on the responsibility (i.e. single-payer healthcare) they actively blocked them from saving lives so they could go on profiting.

If this isn't "murder" or "killing" in your eyes, then maybe we just need a new word for the callous abdication of responsibilities that you signed up to provide for profit, when doing so results in the deaths of thousands.