One of the biggest problems forcing higher health care costs has nothing to do with insurance companies other than they are stupid enough to not watch the till a lot closer. It's the decentralization of health care into doctor-owned facilities: i.e. specialty hospitals. That's the one thing I'm NOT hearing in the debate. A lot of docs have also ventured off as partners into diagnostic facilities (i.e. MRI & labs), rehabilitation, long term nursing care, and hospice.
I will probably draw fire for this, but think about how much money it takes to operate specialty bone and joint hospitals, spine hospitals, surgical hospitals, cancer hospitals, etc. Problem is, no one nipped that problem in the bud before it exploded. You can't shove the genie back in the bottle now.
I fully agree with you there. I posted link to an article last year that pointed out the strong correlation between areas with large numbers of these "businessdoctor" facilities and far higher than average Medicare costs. It specifically talked about McAllen, TX.
Personally, rather than the bill currently not under consideration, I'd much rather have single payer (or even the public option) plus lightly regulated private insurance (by lightly regulated, I mean regulations regarding financial solvency, not products, except as is necessary to effect the first goal). Everybody gets a baseline, and companies that want to can offer supplemental health insurance to any or all of their employees.
As the health insurance "system" currently stands, the regulations regarding sameness of benefits make sense, given their tax-free nature. We pretend it's not part of total compensation unless certain people get better plans than everyone else. (IIRC, you can have different plans for different classes of employee, just not individually)