Do you have evidence, probative evidence, that there is no collusion among health insurance companies? If so, post it or STFU. Don't give me a neg. rep. for posting, "I don't know" (if said collusion exists); I guess for being a know-it-all and reading a post where someone writes, "I don't know" is a concept you don't understand. All your arrogant response proved was you're an asshole, nothing more.