The insurance companies, and even the lawyers, are relative bit players in the larger problem.
It's the government that is the problem, yet the government parades around in drag, pretending to be the solution.
Government is certainly a big part of the problem, but I blame lawyers and insurance companies more. I live in Texas and we enacted tort reform a few years back that capped how much a jury could award a victim in a malpractice suit. The result is that healthcare costs are lower here because malpractice insurance rates are lower. Another benefit we are deriving from this is that doctors are closing their offices in other parts of the country and re-locating here.
I'm not bragging about any of this, just using it to demonstrate that tort reform WORKS and it boggles the mind that it is NOT part of zero's DeathCare plan!