Because the FEDS won't deal with rising health care costs, so health insurance companies will shift those costs to you.
How can they do that?
Because the FEDS (Demos and Repubs), don't want to tackle Medicare and Medicaid. Therefore, they blame insurance companies, all the while, they're taking big donations from insurance company lobbyists.
Why don't they pass stricter laws?
What? Like the ELVs for Rugby?
Why are insurance companies bending the laws?
Ever cheat in a ruck?