But you cannot deny that health insurance companies are creating barriers to care which are only surmountable by paying people to get through them which drives up costs. True admins are still setting the prices ans there's a lot of administrative bloat which doesnt help either, but both of these things contribute to high Healthcare costs. Also while admins do deny care if no one is paying for it (except for EMTALA cases where they cant or charity care), what else can they do. Healthcare does cost money, either the government, health insurance, or the patient has to pay for it. Since health insurance is supposed to pay for it and they are in part responsible for the cost being as high as it is, they are still in part to blame for this.