I don't think most people have fully internalized the fact that insurance companies are fully invested in rising medical costs since their margins are regulated

I don't think most people have fully internalized the fact that insurance companies are fully invested in rising medical costs since their margins are regulated and their BoD are looking for rising profits. Their "everybody wins!" means everyone who pays for medical care loses. They would rather drive lower cost independent doctors into a higher cost hospital systems as long as all of their competitors pay the same... and they do.