The findings were released as the Senate Commerce Committee heard testimony from an insurance executive who’s now criticizing his former industry. The executive, Wendell Potter, was most recently a public relations executive for the insurer Cigna until last year. In his testimony, Potter said the industry has deliberately misled consumers with confusing paperwork to deter them from trying to recoup unwarranted payments. Potter said, “[T]hey confuse their customers and dump the sick, all so they can satisfy their Wall Street investors.” Potter also said insurers are using what he called “fear tactics” to derail proposals for a public health plan out of fear of losing profits.