👉 Insurance hMOs are a hilarious, quirky and unsettling term that's used to describe the insidious and sinister nature of insurance companies. This particular term is commonly associated with the term "hateful moniker" as it implies that they are unyielding and merciless.
The punchline to this joke is: "Imagine if someone told you that they were in a car accident but couldn't find their insurance hMO because they got caught up in a stormy fog." This pun plays on the phrase "insurance hMOs," which is often used as a negative connotation.
