Looks like you already bought it. Go back and read my original response.
Your assertion are nonsense.
Insurance companies do not give a damn about you or your health. They only care about how much money they can squeeze out of you and with the help of the US Congress they can squeeze a lot.
The doctor can at least be sued if he gives you the wrong medicine. Suing PPB because some clod switched you to another medication that they did not realize (or care) went through a sulfa wash and so you ended up in emergency, not so easy.
Not even a realistic story.
But I am sure the PPB's tell this fairy tale to their children at night.
Oh yes, daddy is protecting people from big bad doctors.
Bah.