Why Is Health Insurance So High? 
An insurance company forms a pool of people . It charges a premium based on the projected medical expenses of the people in the pool . Previously underwriters had several tools to restrict those with high expenses from entering the pool . That has been eliminated . Additionally , procedures which were not covered under previous policies must now be included . An increased numbers of participants might result in hospitals and medical groups accepting a lower payment for services but for now the pressure on premiums appears to be upward . 