I certainly would hate to see what my premiums would be if it wasn't for insurance companies "heavy hands" in declining patient benefits.
If we look at the fraud and waste in the public systems of medicare/medicaid just imagine what it would be in the private systems.
As an side note, I have a buddy who owns a data processing service working in health care. He put out a report that at our local county hospital, 12.4% of the patients used someone else's insurance credentials.