The thing to take away from this: Doctors, Insurance companies and big and small Pharma (small meaning pharmacies) are in cahoots with each other. Doctors charg

The thing to take away from this: Doctors, Insurance companies and big and small Pharma (small meaning pharmacies) are in cahoots with each other. Doctors charge for unnecessary operations and insurance companies don't care because they can pass on the costs to people who must have insurance. But then why doesn't competition keep insurance companies more alert? Is it because it is really oligopoly, a bit like either you use Spectrum or Verizon there's really other choice?