This obscene mess will continue as long as government has it's grubby corrupt hands in medical extortion. The Oregon Department of Insurance was created to prevent insurance companies from going bankrupt and leaving the state and still operates under that goal. The solution is not a single payer system. Thinking government could control price under a single payer system is a naive fallacy because of corruption. The government could sue the industry for unjust enrichment just as they did the tobacco companies but they will not as that would stop the flow of lobbyist money. Unfortunately the only solution is for government to completely get out of the medical corruption/extortion business and let the entire system collapse. Only then will the thieves scatter as there will no longer be enough money in the business to attract them. From the ruins will rise an industry that has learned a very painful lesson about greed and corruption. Our government has created this shameful, obscene mess.