Here's a theory: Insurance companies argue and refuse to pay out to hospitals because it's an adversarial relationship. Hospitals increase rates to cover the o

Here's a theory: Insurance companies argue and refuse to pay out to hospitals because it's an adversarial relationship. Hospitals increase rates to cover the overhead of dealing with hostile insurance companies. Insurance companies raise rates to match increased hospital billing. Ironically both industries are incentivized to raise rates on customers while trying to gouge each other. Is it any wonder healthcare is a scam?