As it is, insurance rates are rising far faster than inflation rates. Have you checked how much insurance rates have gone on the last few years? It goes up 6% to 25% per year. Where is all this money going? Is it all going to insurance companies? Nope. The price increases are attributable to hospitals, doctors, pharmaceutical companies and so on. These price increases are a form of healthcare denial because a lot of people can't even afford health insurance at all, let alone worry about what is approved/denied by insurance companies.

> Is it all going to insurance companies? Nope. The price increases are attributable to hospitals, doctors, pharmaceutical companies and so on.

The insurers are buying up the doctors (and paying their doctors more, as a bonus - https://sph.brown.edu/news/2025-11-10/unitedhealthcare-optum...) and the pharmaceutical side (https://en.wikipedia.org/wiki/Pharmacy_benefit_management) of things.

Health insurers tripled their profits while covering 80,000 fewer people 2015-2025 [0]

What is the difference between the 32 developed countries who successfully deliver healthcare to all their residents, vs the wealthiest country of all of them who still fails, and yet spends twice what the rest spend?

Private Insurance runs the whole thing.

And it is a sh*tty business. Insurance company profits do not account for near the 2X difference in spending. That is in the massive waste and bureaucratic overhead of every party trying to keep their heads above water while jumping through the insurer's hoops.

Entire bureaucracies exist just to oppose the insurer's bureaucracies.

And feeding those bureaucracies consumes an insane amount of physician resources.

And exactly zero of it delivers any healthcare to patients.

[0] https://healthcareuncovered.substack.com/p/2025-big-insuranc...