>>>but to state that it will benefit the insured almost totally by providing more up to care stuff is quite blue eyed IMO
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>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?

Controlling is too strong.

In the EU there are different prices for pharmaceutical products, usually set to maximize the product of sales and price. This leads to citizens living near borders often shopping for medicine in the cheaper country the same as for gasoline, cars or other stuff where pice difference is marked as well as some market shake up in local pharmacies going head to head with internet pharmacies - with all the local rules to protect the customer thrown in prices in DocMorris and clones are now much higher. Not enough data to say earlier prices were set very low to get a foot in (as in unsustainable for the long run) or current prices are a compromize agreed upon threats to stop sending medicine via the net by regulations.

Sometimes insurance companies fight back by asking doctors to specify specific reasons for prescribing higher priced ones, fiddle with the set of officially "established/proven" treatments which they are forced to pay for and so on.