If it’s a matter of state “regulations and mandatory” items that every insurance plan must meet, then the problem is not with the insurance companies per se, or the insurance agent.
We are always faced with the back room deals made between insurance companies and elected officials, or worse yet, some nameless, unelected civil “servant!”
Force states to list each mandated item and it’s cost, like we are now doing with fat and caloric values on restaurants.
It’s high time for consumers to know each and every cost add on, like other consumer goods.
Let the customer decide!
When you buy a car, there is a buyer and a seller involved in the transaction.
When you buy a medical insurance plan, you are buying insurance coverage for future transactions between a patient and medical facilities (and doctors). So the health care process is far more complex because you have a third party involved in every transaction -- which completely distorts the pricing of medical procedures.
The biggest problem isn't necessarily the back room deal between the insurance companies and the government ... it's the back room deal between lobbyists for every medical practitioner and the government. These organizations lobby governments all the time -- just to force insurance companies to pay for their pet procedures. That's how you get an ObamaCare law that makes insurance far more expensive because it requires insurance plans to cover procedures that most people don't want to have anyway.