so your telling me there is no price gouging going on, ha 

Do you even know what what the purpose of insurance is?
BTW - you always complain about the cost of health insurance. Personally, I think its a pretty good deal. I pay $285 a month. Should I get in a huge accident or some crazy crap, the insurance company is on the hook for tens of thousands of dollars. Whats wrong with that?
Also - how much do you believe is a fair price to pay for your own health care?