>>but to state that it will benefit the insured almost totally by providing more up to care stuff is quite blue eyed IMO
The main reason for cost increases caimed by some, is because policies now have to meet minimums combines with a surge in pent-up medical pricing and demand. Re insurance companies controlling pharmaceutical prices- what jurisdiction are you describing?
"... They ne'er cared for us
yet: suffer us to famish, and their store-houses
crammed with grain; make edicts for usury, to
support usurers; repeal daily any wholesome act
established against the rich, and provide more
piercing statutes daily, to chain up and restrain
the poor. If the wars eat us not up, they will; and
there's all the love they bear us."
-- Shakespeare: Coriolanus, Act 1, scene 1
