The evidence is they do the same thing as insurance* companies. The conglomerate/merge regionally. So they buy up all the small competitors, while excluding any

The evidence is they do the same thing as insurance* companies. The conglomerate/merge regionally. So they buy up all the small competitors, while excluding any meaningful competition amongs the big players. Are they colluding? Maybe not explicitly over lunch, but they know what they need to do and direct competition, as if they're commodities, would be bad for their shareholders. * health care pre-payment with no residual value plan