I think insurance companies are scapegoated fairly often. People are unwilling to pay a fair price for their premiums. In addition, hospitals and private providers are extremely greedy. Then, on top of all of that, the government allows insurance companies to go “for profit”. One reason they allow this is because of the increased tax revenues the government receives when insurance companies make more money. And the insurance company then has to pay taxes on the land they utilize to do business. There are tons of players here and tons of fault/blame to go around.