The best thing about insurance is you don't have to get it. If you feel you'd save money by investing in an HSA, or just plain paying bills as you go, you have the right to do that. Likewise insurance companies will compete with each other to keep rates low. If you don't like one carrier move to another who can give you a better coverage.
that's what we like to call economics.
the only time this fails is when an outside source, (enter government) comes in and imposed regulations and standards that the insurance company has to abide by. suddenly your primium won't go down, because you have to have drug rehab insurance and pregnancy insurance, just ignore the fact that you're a male who is smart enough not to do smack. or worse yet if the government forces you to have insurance. that's when you'll see the prices skyrocket, and the coverage and quality shrink. because when demand is forced supply can do whatever it wants to control the price.