In Home Guy wrote:

It's tied in with your insurance industry that has been suffering
massive losses from natural disasters and poor market investment
returns, and it is making up for those losses by raising premiums
across the board - and reducing coverage.

Since health care costs have been going up for decades, your natural
disaster explanation doesn't hold.

I see two very obvious reasons why costs go up:

1. Government regulations of every sort

2. The vast majority of Americans pay very little of their own health
care costs, and until recently, very little of their insurance costs,
and hence are completely unconcered about the actual cost of services.

--
St. Paul, MN