The cost of insurance is based on the cost of the healthcare itself. I don't hear single individual talking about how to reduce the amount being charged by the hospital, doctor and other health care providers. I wrote about one of my experiences where I was in the hospital for two days far precautionary reasons and in those two in addition to my doctor and nurse I was visited five by other doctors or specialist. Their visits amounted to, saying Hi, looking at my chart, asking how I felt and saying good-by. Those visits cost between $350 to $500 each. Two days, five visits and roughly $1,750 just for these doctors. Should we be blaming the insurance company for having to pay for these visit or those doctors, because in my opinion it was just nonsense.