We all know instinctively that a fundamental problem with the cost of health care and health insurance is insurance companies.  Instead of a direct-pay relationship with doctors and hospitals, patients have over the past 40 years through legislation enacted in States and at the federal level, allowed insurance companies to enter the market, control it, and now health insurance companies collectively act like a deranged “middle-man.”

Health insurance companies, HMOs, PPOs, and the like, have so wedged themselves into the quasi-public, heavily managed, health insurance market (again, enabled only through anti-competitive laws enacted at the federal and state levels) that they have tried to become inseparable from health care and the physician-patient relationship.

Insurance companies now make medical decisions, and for a large part, health care policy.  It has been ruinous. Now, a Former Health Insurance Speaking Out describes the nuts and bolts of health insurance companies and how they have all-but-destroyed doctors and patients making health care choices.

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