[Wolfie]

As long as healthcare costs are high, health insurance costs will be high. Insurance companies aren’t in business to lose money.

[lewislynn]

Insurance companies aren’t in business to lose money

They also aren't in business to hand out money.

Health insurance doesn't provide health care. It in fact picks and chooses what it will pay for AND determine if it's what YOU need (doctors be damned). THAT is how they make money...by NOT paying it out even if you need it..

[freeandfreezing]

As long as healthcare costs are high, health insurance costs will be high

But procedures that aren't covered by insurance get cheaper over time. Look at pricing for things like cosmetic surgery, Lasik eye surgery, dental services, and a host of other services compared to the cost of insured services. Competition and real prices, instead of fake pricing where you have to get the insurance company discount to avoid being fleeced, rapidly reduce the cost of medical procedures.

One reason many medical providers, in particular hospitals, and insurance companies like the status quo is that they don't face competition. They have carefully segmented the market to ensure that they can keep charging high prices.