There is a max % take insurance companies can have. The easy as hell solution to this is insurance companies collude with hospitals to charge patients more. 5%

There is a max % take insurance companies can have. The easy as hell solution to this is insurance companies collude with hospitals to charge patients more. 5% of 5000 is more than 5% of 2000. In some cases insurance companies just buy up hospital chains and then bill themselves whatever the hell they want to.