I would like to know why, in the past ~20yrs, health insurance premium costs have nearly quadrupled (https://www.kff.org/report-section/2018-employer-health-ben

I would like to know why, in the past ~20yrs, health insurance premium costs have nearly quadrupled (https://www.kff.org/report-section/2018-employer-health-benefits-survey-section-1-cost-of-health-insurance/attachment/figure-1-10/ https://www.kff.org/report-section/2018-employer-health-bene...). I don't understand the push for price lists. Forecasting is hard enough with software, I can't imagine what it's like for medical procedures where every person is different. Hospitals treat patients regardless of ability to pay, and attempt to recoup losses for patients who can't pay. Why shop around on price if it's unpredictable due to the nature of the system, shopping around on quality of care would seem more important to me.