I skimmed the article, and there is another force at play that benefits insurance companies. Insurance companies have a federally mandated percentage of revenu

I skimmed the article, and there is another force at play that benefits insurance companies. Insurance companies have a federally mandated percentage of revenue that they must use towards the reimbursement of their policy holders' medical costs. In the past, this ratio was too low and they're been slapped with stricter conditions. But Health Insurance is an industry where you can basically pass on your costs to your policy holders with near impunity (the current "healthcare debate" rarely discusses cost control in depth, and instead spends time on the correct level of cost sharing). And if your overall costs grow, then you can raise your overall revenue. And when your overall revenues grow, you have more money to pay your executives. Consumers lose, everyone else in the healthcare value chain wins.