>Also...apparently doctors wanted to lower the screening age to like 35, but insurance companies fought it, so it's at 45.

On this website, it is frequently opined that because health insurers have a legal minimum medical loss ratio, that health insurers prefer inflated costs so that their medical losses are higher, which means their premiums can be higher, which means their revenue is higher, which means their profit is higher.

I would have thought health insurers would support a lower screening age, especially since it would inflate costs for all insurers so everyone's cut of the now bigger pie gets bigger.