You can't be serious. You are pulling my leg aren't you?
Premiums are set based on cost and risk, cost comes from labor, price to provide testing, regulatory compliance, and other associated fees and taxes. Because of tort abuse over the years, many tests are ordered just to cover against lawsuits, even when it is painfully obvious what the patient has. Regulatory compliance is expensive, and many needless regulations add to the compliance costs that are already burdensome. Taxes and fees come from............
The healthcare industry is the private sector and has congress in their pockets. Over-regulation? The insurance companies can pretty much do whatever they want.
Really, because all of the forms I am forced to sign, along with my clients, and many times in duplicate and triplicate are required by state and federal law, so no, insurance companies sure can't do "whatever they want", there is also a set rate in many states and the federal would love that power, so please, drop this naive and generalized view of the industry, it's much more complicated than the simple and idiotic DNC talking points.
Charge what they want, pay what they want and insure who they want.
Complete bull****.
Hospitals and clinics can do the same.
Also complete bull****, there are thousands of regulations that drive up the price of your visit before you even park your ass in the lobby, so stop this "private sector bad" rant while you still have some credibility.