Which is exactly what the insurance companies have done now for decades. They own our congress. None will dare call their insurer Tyrants. About 75% or more of the laws written in the past 50 years have been done so to do loss prevention for insurers or give them elevated status like the HMO Act. They have the most lawyers as well. Corporate lawyers who go through all claims especially things like life insurance claims from widows on husbands trying to find even the most trivial detail to try and deny a claim on yet they took the persons money for premiums.
IMO most {not all} Lawyers and Insurance Corps are the two most corrupt and dishonest operators in the private sector. Both have some sort of notion that their profession entitles them to lie and cheat..
‘Managed’ Health Care is morphing in to the Communist “Managed Life’ system. That was the original intent of HMO’S.
Auto insurance companies basically became de facto government agencies once they were put in the completely untenable situation where: (1) auto insurance was mandatory; (2) the insurance industry was forced to accept high-risk drivers through government mandates; (3) these same insurance companies were subject to continuous pressure from government to make their rates "affordable"; and (4) no-fault insurance basically removed a huge incentive for motorists to drive safely.
At one point in my home state, the insurance industry was so alarmed at the untenable situation in which it found itself due to these four factors that it determined the only feasible way for the auto insurance companies to survive would be to have the insurance industry oversee the process of licensing drivers. Just think about that for a second.