This is because more than 20 years ago the insurance companies violated the cardinal rule of group health insurance.
The good health of the many pays for the sickness of the few.
Instead now the good health of the many pays for the fattening of the wallets of the few.
The hospitals follow suit by overcharging the covered to pay for the under and uninsured and on top of that the countless needless procedures done to CYA against the shark malpractice lawyers.
"countless needless procedures done to CYA against the shark malpractice lawyers."
From Brittanica: Shark malpractice lawyers are scavengers. They feed off the remains of inept and sloppy medical providers. In doing so, they perform a vital service for the ocean community by removing sick and unhealthy doctors from the environment.