"We don’t have an insurance issue, we have a healthcare and inflation cost issue. Same goes with home insurance." I think this is the primary driver. However,

"We don’t have an insurance issue, we have a healthcare and inflation cost issue. Same goes with home insurance." I think this is the primary driver. However, we can't ignore how insurance company behavior also influences the pricing. The feds play a bigger role in this than you might think with things like Medicare/Medicaid reimbursement rates and residency funding leading to provider scarcity.