Maybe , and just maybe , those companies agree on the matter because it protects their interests ? It ' s not like without government regulation that shit wouldn ' t happen . If they do it , it ' s because that ' s the most profitable model for everyone involved . The same shit happens in many other economic sectors telecommunications , for instance . Deregularizing the healtchare industry won ' t make insurances cheaper at all . It will be the all same shit because the system you have established is full of shit , basically . As a Spaniard I don ' t understand all the hassle when people comment the possibility of implanting universal coverage with a singlepayer healthcare system . That ' s what us , Spaniards , have , and being honest , our healthcare system works much better than yours there ' s lots of documentation which proves that , btw . Sure , it has its problems sometimes queues are long , no doubt , but if you have any urgency you ' ll be treated right away , without personal cost for the patient other than the Seguridad Social social safety net which encompasses many things other than healthcare . What ' s more , if you are unemployed , a kid , etc , etc , you ' ll get the same treatment . Of course , money doesn ' t grow on trees , but it ' s comparatively cheaper than having an insurance in the US something you can , once more , look up .