America's problem with health care goes beyond HMSA.  Costs for treatment are wildly out of line in America versus the rest of the world, and they constantly increase.  Hence HMSA is always raising its rates or trying to control costs.  At the same time, the last thing we need is an insurance company determining how health care is delivered.  They're more interested in the financial bottom line than they are in individual patients.  Some people will scream and shout about this, but the only way to solve this problem is to go to single payer health care in the Medicare model and for the government to start regulating medical and drug costs.  Otherwise, the costs of health care will continue to rise until only the wealthiest can afford it.  Some might argue that it's already reached that point.