> Either private insurance companies aren't interested in lowering costs They aren't. Since their profits are capped at 20%, reducing costs means reducing prof

> Either private insurance companies aren't interested in lowering costs They aren't. Since their profits are capped at 20%, reducing costs means reducing profit as well, so they are actually incentivised to keep costs high. > their claims process is so arduous that providers demand higher rates to deal with the high rate of denials and ever changing minutiae. I think this is also the case