AB’s post is one I’ve wondered about as well. SM put it well. I think that it really may not make much of a difference to the insurance companies to fight to keep costs down. If providers keep raising prices, insurance companies will just pass the costs on to the consumer, which isn’t really us. For most of us, our employer is the buffer that somewhat mitigates the damage.
At my work, our health insurance is re-assessed annually, and it goes up every year. But I still think there’s just not enough of a real-world connection between our wallets and the cost of our healthcare.