They like to shift gears a lot. One moment it is malpractice insurance. The next it is because of all the uninsured people and illegals leeching off the system. In reality, it is a combination of all sorts of issues, but mainly a regulatory issue. Healthcare is a necessity for a civilized society. They realize they have a monopoly and prices have gone up and up and up and into the stratosphere because...well it is a monopoly and they know they can charge whatever they want.