In defense of insurance companies, medical costs are astronomical because doctor professional associations protect doctor wages. Why do I need a 400 an hour doctor to prescribe an antibiotic for a bladder infection? Many people want to doctors and don't get admitted into medical school. Instead of delegating less difficult responsibilities to this interested group of people by creating a more tiered system of expertise, the AMA hoards all the decisions for the doctors, fleeces and extorts the public, then scapegoats the insurance industry which is trying to reduce unfair costs while taking a slice of the parasite pie. The gullible public eats the slop right up, blaming insurance companies, never batting an eye at the exploitation of the public by doctors.